02
Sick First, Covered Second: How America's Insurance System Punishes Prevention and Who Pays the Price
America's health insurance framework was built to respond to illness, not prevent it — and that design flaw costs health-conscious consumers billions of dollars every year. While insurers routinely cover costly interventions after chronic disease takes hold, the supplements and monitoring tools that might have delayed or prevented those conditions remain stubbornly out-of-pocket expenses. Understanding this structural imbalance is the first step toward navigating it more strategically.