Non-profit health insurance co-ops foster trust among health consumers in that they are not always out for money. Non-profit health insurance companies may offer better options for consumers with services that might not get approved with for-profit plans. Co-ops can offer more choices than plans clustered together by for-profit companies.
Is it important that health insurance cooperatives are non-profits, so long as the objective is to provide heath care coverage at the lowest cost possible. Any profit foregone by the health insurance cooperatives means additional savings for the members of said cooperative. When profit has to be made, costs have to rise to account for it.