I hadn't considered that. Yeah, the unions would group negotiate and eventually make the city responsible for the premiums. I suppose this idea sucks and does little, other than adding a private group that can skim out a profit from the deal.
I meant this largely as a joke. The real solution is prosecution. Criminal charges cut through all the nonsense of HR-union negotiated discipline, blah blah blah. Let them complain to their union steward in jail.
The problem of police is political, and political will is required to change the toxic culture.
Really, a massive part of the problems are police unions and "benevolence" societies that actively work to avoid penalties for unprofessional conduct.
I've noted before that police "unions" are not at all like normal unions - anyone who knows the early days of the union movement, as well as the outlawing of drugs will recognize that police were then, as they are now, inflictors of state violence against whoever the wealthy dislike. So, yes, a part of this involved campaign finance and the like. But make no mistake that this is a long-running and fundamental issue with US policing, and the US in general, as often seen in, for example, the use of barriers to prevent homeless people from sleeping...well, anywhere, because "they're dirty and drive down the value of empty apartments and condos".
Basically, rather than protectors, US police often act as violent street goons, particularly in poor, and
especially in black and indigenous, areas. That must end. Break up their unions and "benevolence" societies, refuse to negotiate. Stop pushing minority police as a solution - they aren't, this is like relying on Candace Owens for "African-American outreach", the black person who volunteers is often even worse than white ones. Drastically reduce what police are responsible for, move towards social work instead - reserve police, particularly well-armed police, for potentially violent situations, actual violence, and crime investigation. SWAT teams should be reserved for extreme situations, rather than for routine warrants (many of which should not be illegal in the first place). Military surplus should be state-level, only, and use against nonviolent protestors should result in confiscation (rather than failure to use such equipment, which only serves to incentivize it's misuse). Yes, lightly-armed police will be needed for some nonviolent matters, such as DUIs and the like This is a general blueprint, not a full-on detailed analysis.
And stop drumming it into cops' heads that every situation is life-or-death. They aren't.
People who are, somehow, shocked by the small group of people cheering the shooting of two cops in Compton seem to have forgotten the *decades* of loud and clear complaints against this exact police force, which predates NWA and runs straight through today. When you're bad enough to spawn numerous internationally popular songs about what horrible people your local city group is, you may want to consider that you might just be the baddies. None of this is new.