HackerCare is not health insurance. HackerCare is a membership based association that offers group insurance through a carrier named Starmark. If you want to purchase the Starmark group health insurance, you have to join HackerCare. No one should ever be forced to join a fee based membership organization in order to purchase health insurance.
Health care reform, which was suppose to make health insurance affordable, may force employees in group plans to make unaffordable choices.