The beginning of Pico Health What was Pico Health? Pico Health existed from September 2011 to December 2013. Back then, the ACA hadn’t taken off yet, but Massachusetts had its own laws surrounding that. It suddenly made everything challenging for small companies because when you had 11 full-time employees, you had to offer health insurance. You had to worry about getting a group plan and payroll deductions. It was a whole big mess that nobody wanted to deal with or understood