>USAA gives real good rates
That's because it's subsidized by the taxpayers. By limiting access to USA military families and their immediate children, the insurance company saves a lot on medical insurance payouts. That's because the USA government gives that full medical plan coverage to military people, their families, and retirees.
So those USAA insurance users who mock the rest of us for not being eligible should just fucking shut it. We the taxpayers are subsidizing you already.