UnitedHealthcare invited journalists to headquarters to burnish its image. Then its CEO dismissed wrongful death lawsuits as “one-offs.” That phrase says everything about a system where denial, delay, and patient harm are treated as isolated incidents instead of the business model.

Health insurers turned “medically necessary” into a denial weapon. This article breaks down how coverage policies, anonymous medical directors, and financial incentives allow insurers to override doctors and block cancer care, then outlines concrete fixes that could shut the system down.