They're counting on your exhaustion, your confusion, and ultimately, your surrender.
An explosive exposé revealing how a trillion-dollar system of denial and delay has turned health insurance into a nightmare for millions. Drawing on whistleblower accounts, patient stories, and hidden data, Insured to Death exposes the truth, delivers a practical guide to fighting back, and proposes a bold vision for lasting reform.
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"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 and 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
About the Book
When UnitedHealthcare’s CEO was assassinated in December 2024, America was forced to confront an uncomfortable truth: our healthcare system isn’t just broken. It’s breaking us.
Behind every denied claim is a family facing impossible choices. Behind every incomprehensible medical bill is a system engineered for profit, not healing. And behind the industry’s glossy commercials are executives earning millions while patients launch GoFundMe campaigns to stay alive.
This explosive exposé uncovers the trillion-dollar machinery of denial and delay that has turned the promise of health insurance into a nightmare for millions of Americans. Drawing from a wide range of sources—whistleblowers, patient stories, health policy data, and insider accounts—it compiles the full picture of a broken system. More importantly, it offers a battle-tested playbook for fighting back, and a bold proposal for how we can redesign health insurance to truly serve the people.
What You'll Learn
Whistleblower accounts and insider testimonies from within the insurance industry
Data-backed breakdowns of systemic abuse and the cost to American families
Patient stories that reveal the human toll of policy loopholes and corporate cruelty
A battle-tested playbook for fighting back, and tools every American can use
A bold vision for redesigning insurance to serve people, not profits
About the Author
Neal K. Shah is the Chief Executive Officer of CareYaya Health Technologies, a social enterprise and applied research lab advancing health equity for aging populations using artificial intelligence and neurotechnology and recognized by LinkedIn as one of America’s Top 50 Startups in 2024. He also serves as Chairman of Counterforce Health, an AI-driven platform that helps patients and providers navigate insurance claim denials. Shah is a Principal Investigator on multiple federally funded innovation grants, including one supported by the National Institutes of Health and the University of Pennsylvania to develop AI tools that assist patients in appealing denied health insurance claims. He also leads a separate NIH-funded collaboration with Johns Hopkins focused on improving dementia caregiving through AI tools that upskill and train caregivers.
Shah holds dual bachelor’s degrees in economics and philosophy, with a minor in mathematics, from the University of Pennsylvania. Before founding CareYaya, Shah managed a $250 million hedge fund. His pivot to healthcare came after deeply personal experiences as a caregiver, which inspired a mission-driven focus on transforming care delivery through technology.
Today, Shah is building strategic partnerships and technical capabilities to position CareYaya as America’s leading launchpad for care innovation—expanding access to affordable care, driving humanitarian progress, and fundamentally improving quality of life for vulnerable populations. Shah’s work has been supported by the National Institutes of Health, Johns Hopkins AITC, and Harvard Innovation Labs. He is also a prominent thought leader in health innovation, with features and contributions in CNBC, The Wall Street Journal, Barron’s, STAT, Neurology Live, and TechCrunch.
Dive Deeper
Browse references and access tools like Counterforce Health to take informed action!
Join the Movement
The system won’t fix itself. But we can change it together
© 2025 Neal Shah