A heart transplant survivor lost affordable access to the drug keeping her alive. It took two viral stories, a grieving donor mother, a nonprofit, and Mark Cuban to fix it. The happy ending is the problem: nobody should need an audience, influence, or a billionaire to get healthcare.

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.