First there were the rumblings of trouble, and then the floodgates opened and tax dollars are no longer working the way in which they were intended. The Affordable Care Act offered the promise of increased competition with insurance carriers, by creating CO OPs on a non profit basis. Unfortunately, the “non” was the operative word, and now almost all of them are shutting down. The list is long, the end was sudden for 9 of the 23 created, for a total loss to the federal government of $900 million: Oregon, Colorado, Nevada, Louisiana, Tennessee, Kentucky, South Carolina, Utah and New York in a period of two months.