# Patient Protection and Affordable Care Act; Establishment of Consumer Operated and Oriented Plan (CO-OP) Program
> **US Department of Health and Human Services** · Final rule. · Published 2011-12-13 · Effective 2012-02-13 · 76 FR 77392
## Document
- **Document number:** 2011-31864
- **Category:** other
- **Sub-agency:** US Department of Health and Human Services
- **Federal Register citation:** 76 FR 77392
- **CFR reference:** 45 CFR 156
- **Publication date:** 2011-12-13
- **Effective date:** 2012-02-13
- **HHS docket:** CMS-9983-F
## Abstract

This final rule implements the Consumer Operated and Oriented Plan (CO-OP) program, which provides loans to foster the creation of consumer-governed, private, nonprofit health insurance issuers to offer qualified health plans in the Affordable Insurance Exchanges (Exchanges). The goal of this program is to create a new CO-OP in every State in order to expand the number of health plans available in the Exchanges with a focus on integrated care and greater plan accountability.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2011/12/13/2011-31864/patient-protection-and-affordable-care-act-establishment-of-consumer-operated-and-oriented-plan)
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