Beyond the hypocrisy of their message and purpose, the programs face little oversight of their operations or even regulations they must abide by. Perhaps a small portion of people have benefited from these programs, but the majority of those who enroll in them won’t benefit. In fact, the customers who praise these programs are likely not sick often and face no significant illness. Serving as a placeholder for those who wish to simply opt out of the ACA—but most appealing to those who need coverage the most—these programs are nothing more than scams.