nonprofit member-governed health-insurance cooperative

Common Ground Healthcare Cooperative

A Wisconsin nonprofit health-insurance cooperative now affiliated with CareSource while preserving a member-focused identity. Common Ground scores high for health insurance because member governance is rare, though insurer gatekeeping and the CareSource transition keep it below the top tier.

Why this matters: Common Ground is one of the clearest consumer alternatives to shareholder health insurance.

Letter grade B Qualified Medium confidence (AI) Rubric gcd-rubric-v1 Parent / owner: CareSource Last reviewed May 12, 2026

Common Ground Healthcare Cooperative is now affiliated with CareSource, whose parent profile is also listed.

Final Score 47* B - Qualified

BQUALIFIED47 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material47

Bonus+5

Cap66No structure cap

After Cap52

Penalties-5

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Owned by CareSource

The parent profile is currently rated D (Extractive, 28*). This subsidiary is not mechanically capped at the parent score, but parent control is part of the ownership, governance, policy, accountability opacity, reversibility, and harm analysis.

Evaluation Overview

B - Qualified

The score turns mainly on Ownership, with the largest penalty coming from Accountability Opacity.

Strengths

Ownership8/10
Governance7/10
Extraction7/10

Penalties

Accountability Opacity-2
Policy Capture-1
Subscription Capture-1
Surveillance Capture-1

Evidence state

ConfidenceMedium confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims17
Direct axis claims17
Coverage17/17

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	8 / 10	Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. On Ownership, Common Ground Healthcare Cooperative sits high for the insurance sector because member, mutual, nonprofit, or cooperative structure moves control and surplus closer to insured people. It stays below the strongest non-insurance institutions where claims gatekeeping, underwriting, or network constraints still mediate access. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	7 / 10	Common Ground Healthcare Cooperative's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. Common Ground Healthcare Cooperative's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. On Governance, Common Ground Healthcare Cooperative sits high for the insurance sector because member, mutual, nonprofit, or cooperative structure moves control and surplus closer to insured people. It stays below the strongest non-insurance institutions where claims gatekeeping, underwriting, or network constraints still mediate access. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	7 / 10	Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. On Extraction, Common Ground Healthcare Cooperative sits high for the insurance sector because member, mutual, nonprofit, or cooperative structure moves control and surplus closer to insured people. It stays below the strongest non-insurance institutions where claims gatekeeping, underwriting, or network constraints still mediate access. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	4 / 7	Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. On Labor Sovereignty, Common Ground Healthcare Cooperative belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	5 / 7	Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. On Solidarity with the Unemployed, Common Ground Healthcare Cooperative belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	5 / 7	Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. On Loss-Bearing Fidelity, Common Ground Healthcare Cooperative belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	4 / 5	Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. On Market Conduct, Common Ground Healthcare Cooperative belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Product Integrity ? Preservation of quality rather than degradation for monetization.	4 / 5	Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. On Product Integrity, Common Ground Healthcare Cooperative belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	3 / 5	Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. On Scale Integrity, Common Ground Healthcare Cooperative belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]

Penalties

Penalty	Applied	Why this penalty
Policy Capture ? Private-interest attempts to bend law, regulation, subsidies, taxes, enforcement, trade, labor, safety, competition, environmental, healthcare, housing, surveillance, civil-liberties, or consumer policy against workers, customers, citizens, affected communities, or ecological life. Public-interest advocacy is not penalized merely because it is lobbying. Range: -15 to 0.	-1	Common Ground Healthcare Cooperative's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring… Common Ground Healthcare Cooperative's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Policy Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Common Ground Healthcare Cooperative's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [14]
Subscription Capture ? Manipulative recurring-payment, automatic-renewal, cancellation-friction, bundling, trial-conversion, or refund designs that profit from inertia or confusion. Range: -5 to 0.	-1	Common Ground Healthcare Cooperative's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy,… Common Ground Healthcare Cooperative's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Subscription Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Common Ground Healthcare Cooperative's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [15]
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	Common Ground Healthcare Cooperative's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy,… Common Ground Healthcare Cooperative's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Accountability Opacity penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Common Ground Healthcare Cooperative's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [16]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-1	Common Ground Healthcare Cooperative's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy,… Common Ground Healthcare Cooperative's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Surveillance Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Common Ground Healthcare Cooperative's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [17]

Bonus Credits

Bonus	Credit	Why this credit
Openness to Dissent ? Credit for tolerating internal, user, customer, worker, and public dissent without retaliation, capture, or viewpoint laundering.	1 / 3	Common Ground Healthcare Cooperative's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy,… Common Ground Healthcare Cooperative's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Openness to Dissent credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Common Ground Healthcare Cooperative's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [10]
Constitutional Spirit ? Credit for respecting constitutional rights and civil-liberties norms even where private law does not strictly require it.	1 / 3	Common Ground Healthcare Cooperative's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy,… Common Ground Healthcare Cooperative's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Constitutional Spirit credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Common Ground Healthcare Cooperative's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [11]
Good Deal ? Credit for unusually fair value: durable quality, fair pricing, low lock-in, and clear customer surplus.	2 / 3	Common Ground Healthcare Cooperative's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring… Common Ground Healthcare Cooperative's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Good Deal credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Common Ground Healthcare Cooperative's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [12]
Cost Transparency ? Credit for clear posted prices, all-in fees, unit costs, public rate cards, margin/cost visibility, or surplus-allocation transparency, especially in markets where opaque quotes, hidden fees, or individualized pricing are normal.	1 / 3	Common Ground Healthcare Cooperative's public record makes Cost Transparency relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring… Common Ground Healthcare Cooperative's public record makes Cost Transparency relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Cost Transparency credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Common Ground Healthcare Cooperative's public record makes Cost Transparency relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [13]

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

Medium 79/100

17 verified linked claims 17 direct axis claims 0 disputed claims 17/17 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 16/20

17 verified linked claims

Source quality 10/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 14/18

17 direct claims across 17 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 10/10

17/17 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceMedium confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1Common Ground Healthcare Cooperative's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model.

Ownership Verified High confidence Human-reviewed May 12, 2026

Common Ground HealthcareGeneral web source · 58%

2Common Ground Healthcare Cooperative's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives.

Governance Verified High confidence Human-reviewed May 12, 2026

Common Ground HealthcareGeneral web source · 58%

3Common Ground Healthcare Cooperative's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return.

Extraction Verified High confidence Human-reviewed May 12, 2026

Common Ground HealthcareGeneral web source · 58%

4Common Ground Healthcare Cooperative's public structure does not show ordinary workers holding binding democratic control over insurance operations.

Labor Sovereignty Verified Medium confidence Human-reviewed May 12, 2026

Common Ground HealthcareGeneral web source · 58%

5Common Ground Healthcare Cooperative's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter.

Solidarity Unemployed Verified Medium confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

6Common Ground Healthcare Cooperative's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs.

Loss Bearing Fidelity Verified High confidence Human-reviewed May 12, 2026

Common Ground HealthcareGeneral web source · 58%

7Common Ground Healthcare Cooperative competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power.

Market Conduct Verified High confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

8Common Ground Healthcare Cooperative's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms.

Product Integrity Verified High confidence Human-reviewed May 12, 2026

Common Ground HealthcareGeneral web source · 58%

9Common Ground Healthcare Cooperative's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs.

Scale Integrity Verified High confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

10Common Ground Healthcare Cooperative's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Openness To Dissent Verified Medium confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

11Common Ground Healthcare Cooperative's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Constitutional Spirit Verified Medium confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

12Common Ground Healthcare Cooperative's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Good Deal Verified Medium confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

13Common Ground Healthcare Cooperative's public record makes Cost Transparency relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Cost Transparency Verified Medium confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

14Common Ground Healthcare Cooperative's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Policy Capture Verified Medium confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

15Common Ground Healthcare Cooperative's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Subscription Capture Verified Medium confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

16Common Ground Healthcare Cooperative's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Accountability Opacity Verified Medium confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

17Common Ground Healthcare Cooperative's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Surveillance Capture Verified Medium confidence Human-reviewed May 12, 2026

Common Ground member-governed storyGeneral web source · 58%

Alternatives

AGOOD51 Co-operative Insurance Companies member-owned regional mutual insurer · same market

Competitors

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