In December 2024, the shocking assassination of UnitedHealthcare’s CEO forced a nation-wide reckoning with a devastating truth: America’s health insurance system isn’t just broken — it’s breaking us.
Every year, tens of millions of Americans fight through a maze of medical bills, denial letters, and mind-numbing phone calls with insurers. Some never make it out. Some are buried under debt. Others never get the care they need.
We’ve become so used to the dysfunction, we’ve normalized it. But what if we stopped accepting the system’s cruelty as a given? What if we fought back?
That’s the purpose behind Insured to Death: How Health Insurance Screws Over Americans – And How We Take It Back — an explosive exposé that rips the mask off the trillion-dollar industry profiting off our pain.
Behind Every Denial Is a Family in Crisis
Across the country, patients are forced into impossible decisions: skip treatment or go bankrupt? Pay rent or pay for chemo? Run a GoFundMe or run out of time?
These aren’t hypotheticals. These are the lived realities of countless Americans whose only mistake was getting sick in the wrong system.
“They’re counting on your exhaustion, your confusion, and ultimately, your surrender,” says author Neal K. Shah — CEO of CareYaya Health Technologies and a leading voice in health equity. “The system is engineered to overwhelm and outlast you.”
The Whistleblowers Speak Out
This book doesn’t just tell stories — it reveals secrets.
Insured to Death draws on whistleblower testimonies, leaked internal memos, and candid interviews with former insurance executives. It lays bare the strategies used to delay, deny, and deter claims. It explains how profits rise as patients fall. It gives names, numbers, and receipts.
And it doesn’t stop there.
A Battle-Tested Playbook for Resistance
For the first time, everyday Americans are being given a step-by-step blueprint to fight back.
In this book, readers will learn:
- How to navigate and appeal claim denials with higher success rates
- How to understand the legal loopholes that insurers exploit — and close them
- How AI-powered tools and community action can challenge the system in real time
- And most importantly, how to reimagine a future where healthcare is a right, not a ruin
This isn’t just a critique. It’s a call to action.
Why This Book Matters Now
With election cycles looming and healthcare reform debates heating up, Insured to Death couldn’t come at a more urgent time.
“I’ve seen firsthand how our health insurance system hurts patients, but I’ve never seen it laid out this clearly or this powerfully. This isn’t just for policymakers or healthcare professionals. Everyone in America needs to read this. It’s eye-opening, infuriating, and absolutely essential.”
— Dr. David Casarett, Chief of Duke Palliative Care
Whether you’re a caregiver, a patient, a policymaker, or simply someone trying to understand why your premiums keep going up while your coverage shrinks — this book is for you.
About the Author
Neal K. Shah is not your typical whistleblower. A former hedge fund manager turned healthtech CEO, Shah now leads CareYaya Health Technologies, a startup recognized by LinkedIn as one of America’s Top 50 Startups in 2024. He’s also the Chairman of Counterforce Health, an AI platform helping patients fight insurance denials.
His personal journey — from Wall Street to caregiving — ignited a mission to fix the system. Backed by NIH, Johns Hopkins, and Harvard Innovation Labs, Shah’s work is focused on creating AI tools that level the playing field between patients and payers.
His message is simple: The system won’t fix itself. But we can.
Where to Get the Book
Insured to Death: How Health Insurance Screws Over Americans – And How We Take It Back is now available on Amazon and at major booksellers.
Read it. Share it. Use it as your weapon.
Because the system isn’t just broken — it’s designed that way.