Speaking of government wheels turning slowly, there are more changes coming to the Affordable Care Act (a.k.a. Obama Care), which was passed into law in early 2010. The largest health insurer in the nation, UnitedHealthcare announced this week that it will vacate most of the state insurance exchanges where it currently does business by the end of this year. The company’s CEO explained that in view of the fact that the exchanges are relatively small but have much higher risk rates, the company determined it could not serve the exchanges on an “effective and sustained basis.” Oh, the company also reported losing $475 million on the ACA exchanges last year and projects another $650 million loss in 2016. The decision will reduce the number of exchange insurers and likely lead to cost increases.