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.