Kentucky Health Cooperative

Tyler (trp0) / Flickr (Creative Commons License)

  Julia Nazarenko has been insured through the Kentucky Health Cooperative since 2013.

One lesser-known aspect of the Affordable Care Act is it’s reliance on state health cooperatives —  which work separate of the state- or federally run health exchange, but are free to offer their own brand of insurance on the exchange.

But recent Congressional deal-making is putting those co-ops in danger.

While states are getting grants to fund their exchanges, co-ops were getting federal loans which had to be paid back within five years.