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Several do and have exist(ed) to serve niches of people who did not like regular insurance.


One company that does not exist now was created to provide insurance to deaf people who otherwise had been denied. It was not for profit but went out of business when regular insurance companies stopped denying people who were deaf. (this one was primarily an auto insurance (which is why deaf people were denied)  company but did offer health insurance too)


Another one is described here:


http://www.thenewamerican.com/usnews/health-care/8872-dr-good


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