Broken Care: Why Traditional Health Insurance Is Failing—and the Rise of a Smarter Alternative

Is your health insurance protecting your health, or just draining your wallet?

Americans are paying more than ever for healthcare, yet millions face rising premiums, high deductibles, denied claims, and frustrating barriers to getting the care they need. Is there a better way?

In Broken Care, entrepreneur and healthcare innovator Roger M. Hoy takes a revealing look at the shortcomings of traditional health insurance and explores emerging alternatives that put patients, affordability, and access to medical care first.

Through real-world examples, cost comparisons, and practical insights, Hoy examines the hidden costs of insurance, the role of pharmacy benefit managers, health share programs, and the growing movement toward affordable healthcare memberships.

Whether you're an individual struggling with healthcare costs, a family searching for better options, or a business owner looking to provide meaningful employee benefits, Broken Care challenges conventional thinking and offers a fresh perspective on the future of healthcare.

Because better healthcare shouldn't have to mean more expensive insurance.