arrowThe good news is that they had three years on the public dole to finalize startup expenses and get things rolling. The bad news is that may not have been enough time. The Congressional Quarterly said the exchanges “survived startup problems with botched technology and political threats but continue to grapple with a fundamental challenge – financial sustainability” So look for rates to increase just because they do, further drop off from the exchanges and some desperate political lobbying, particularly in California, to stave off bankruptcy. Should be fun.