Out of Patients
with Matthew Zachary

OPINION Matthew Zachary OPINION Matthew Zachary

Medicare Advantage Works Until the Math Changes

UnitedHealth dropping Medicare Advantage plans for 600000 beneficiaries exposes a structural flaw in how private insurers manage public healthcare risk as costs from emergency care and specialty drugs accelerate faster than payment models can adjust.

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PODCAST Matthew Zachary PODCAST Matthew Zachary

Spoiler Alert: The Middlemen Cost More Than the Medicine

Health systems consolidate. Insurers post record profits. Employers spend $20,000 per employee on coverage while workers fight denials alone at 11 pm. Insurance middlemen now cost more than the drugs. The system rewards delay and calls it complexity. Families call it Tuesday.

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OPINION Matthew Zachary OPINION Matthew Zachary

Healing The Sick Care System

A personal reflection on Gil Bashe’s Healing the Sick Care System and the growing revolt against insurance driven harm. From hospital memories to national accountability, this piece calls out who holds the wheel and why 2026 signals the rise of the patient voter bloc.

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OPINION Matthew Zachary OPINION Matthew Zachary

Freedom to Go Broke

After surviving brain cancer at 21, Matthew Zachary examines how modern healthcare policy repackages risk as freedom. From cash subsidies to math free promises, this essay exposes why consumer style healthcare fails the moment illness enters the room.

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PODCAST Matthew Zachary PODCAST Matthew Zachary

🎙️ 🚨 SEASON NINE PREMIERE 🚨🎙️

Marc Elia chairs a biotech company and lives with Long COVID. On Out of Patients, he breaks down the invisible immunocompromised population, the limits of regulatory thinking, and why empathy without action leaves patients stranded.

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