We have noted again and again that large non-profits have a very difficult time of setting up group insurance. One of the reasons is that they have to get an agreement from a large number of employees since generally employees raise funds to pay for this insurance. Secondly, often workers for non-profits have low incomes and find it difficult to add insurance onto an already tight budget.
But, if the non-profit starts group health coverage when small, even as small as two or three workers, and then requires that all new employees come onto the group coverage, the two problems listed above are overcome. New workers have not yet left the homeland and so are able to raise added funds for insurance coverage.