In the healthcare industry, the relationship between payers and providers has long been adversarial–and it’s become counterproductively so.

Financially unsustainable Affordable Care Act exchanges and CO-OPs are collapsing all over the country (seven since Oct. 1 alone). Major player UnitedHealth Group is threatening to withdraw from the marketplaces entirely in 2017, citing half a billion dollars in losses. Goldman Sachs analyzed state filings for 30 not-for-profit Blue Cross and Blue Shield insurers and projected they will post aggregate losses for 2015.

That’s not what “nonprofit” is supposed to mean.

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