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Consumer Operated and Oriented Plan (CO-OP)

What is a Consumer Operated and Oriented Plan?

Created by the Affordable Care Act, the CO-OP program was designed to help create nonprofit, member-controlled health insurance plans that would offer ACA-compliant policies in the individual and small business markets. A 15-member advisory board made recommendations to HHS regarding grants and loans for CO-OPs.

Twenty-four states had CO-OP plans available in their exchanges starting in October 2014, but a large number of them have been forced to close.