1. Introduction

“Courage is what it takes to stand up and speak; courage is also what it takes to sit down and listen.”

Winston Churchill

Have you ever wondered why everyone talks about spiraling healthcare costs and insurance premiums, but no one ever seems to explain or address their root causes?

Do your eyes glaze over when you hear news reports and politicians talking about healthcare because it seems to be so big and complex that no one could ever understand it?

Have you ever wondered how it’s possible for the richest country in the world to spend more than $2.5 trillion on healthcare each year, but still not be able to provide coverage to more than 15% (50 million) of its citizens?

Are you concerned that the huge, complex, and open-ended ...

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