Express Scripts allegedly created a Swiss shell company to hide rebate money from employers and patients. Cigna's own CMO admitted they could "double, triple dip on fees." Now a RICO lawsuit threatens existential damages. Welcome to 2026: The Year of the Patient.

I do not have insider sources. I have Google Alerts. Set up 19 targeted alerts and watch insurance denials, cancer treatment delays, lawsuits, and settlements roll in daily. The stories are public. The patterns are obvious. Here is how to see what I see.

In 2025, seven insurers generated $1.7 trillion in revenue and $54 billion in profit while covering 10 million fewer people. Premiums hit $26,993 for families. Public funding expanded. Consolidation deepened. The incentive structure driving American health insurance stands exposed.