Consumers Mutual Insurance of Michigan (Consumers Mutual) was a Michigan domiciled health insurance company that wrote business exclusively in Michigan. Consumers Mutual commenced operations in September 2013 as a Consumer Operated and Oriented Plan under the Federal Affordable Care Act. The company wrote individual and small group business both on and off the Michigan Health Exchange, as well as large employer groups. Consumers Mutual suffered substantial losses in each year of operation prior to being placed into rehabilitation on November 13, 2015. All individual policies were terminated on or before December 31, 2015 and all group contracts were terminated on or before January 31, 2016. Consumers Mutual was placed into liquidation pursuant to a liquidation order issued February 10, 2016.