Hospitals blame insurers. Insurers blame hospitals. Patients finance the entire system through premiums, deductibles, debt, and confusion. Matthew Zachary examines the incentive structures, financial flows, and institutional dependencies that keep American healthcare expensive, opaque, and exhausting.

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.

National healthcare leaders put their names on We The Patients because they recognize what patients have endured for decades. From Scientific American to former Medicaid and CDC officials, these endorsements validate a movement to reclaim power from a system that failed the people it was built to serve.