United Health Care is the largest carrier in the country for the moment…and the first one to decide to pull out of the health insurance marketplaces (exchanges). They can’t make money (and they are not the only ones) in a regulated environment and where they have to take even unhealthy individuals on a guaranteed basis or any number of people on group plans when there could easily be a case of adverse selection. Who can make money in this environment? One major carrier is saying they can’t.