The Health Insurance Scam Exposed: Why America Must Dump It All for Medical Savings Accounts

In a viral video that’s capturing the frustration of millions (Above), a mother recounts her shocking experience with U.S. health insurance companies. She took her child for a routine checkup, only to be hit with charges for two separate visits because she dared to ask a question not deemed part of the “standard” physical. “I call, and they’re like, oh, yeah, you technically were billed for two visits,” she explained, bewildered. This happened not once, but twice to her, and to two of her friends as well. The insurance rep nonchalantly confirmed that any concern outside the rigid checklist turns a single appointment into a double bill. As she put it, “If I have concerns for my son, that’s technically a second visit because it’s not covered under his yearly checkup.”

This isn’t an isolated glitch—it’s the latest in a long line of predatory tactics by Big Insurance, fueled by government overreach like Obamacare, that are bleeding American families dry. It’s time to wake up: Health insurance isn’t protection; it’s a scam designed to enrich corporations at our expense. The real solution? Scrap it entirely and empower individuals with Medical Savings Accounts (MSAs), where you control your money, shop for care like any other service, and build wealth tax-free. This mother’s ordeal is emblematic of a broken system where insurers act as gatekeepers, denying or inflating costs to maximize profits. Consider the heart-wrenching case of a 17-year-old girl in Southern California who needed a life-saving liver transplant. Her insurer initially denied coverage, only reversing the decision hours before she died—too late to save her.  Continued below this next clip

Or the Wisconsin man who suffered a massive heart attack and was prescribed a wearable defibrillator by his doctors, only for his insurance to deem it “not medically necessary” and deny coverage, leaving him vulnerable and out of pocket. Even infants aren’t spared: A healthy 4-month-old baby weighing 17 pounds was rejected for health insurance because he was labeled “too fat,” despite being in the 95th percentile for growth—pure bureaucracy trumping common sense. These aren’t anomalies; they’re the norm in a system warped by Obamacare’s mandates, which promised affordability but delivered skyrocketing premiums and denials. The insanity escalates with surprise billing and arbitrary denials. A Texas surgeon shared a video of being interrupted mid-operation by an insurance rep demanding “prior authorization” for a procedure already underway, highlighting how insurers insert themselves into life-or-death decisions for profit.  Continued after this next clip

The latest US health insurance scam. American “I pay a thousand dollars a month for health insurance” He just went to the doctor and got the bill, it was $150 up front + $1,475 billed Insurance only covered $182 He pays $1,443

The latest US health insurance scam.
American “I pay a thousand dollars a month for health insurance”
He just went to the doctor and got the bill, it was $150 up front + $1,475 billed
Insurance only covered $182
He pays $1,443 pic.twitter.com/xLQbtrLxxz

— DSTN Club (@dstnclub) June 19, 2025

In another outrage, veterans—our nation’s heroes—have seen over a million claims denied by the VA, forcing them to fight bureaucracy while dealing with service-related injuries. And let’s not forget the “Medicaid millionaire” in Louisiana who gamed the system, buying a Lamborghini while claiming government benefits, exposing how fraud and abuse inflate costs for everyone else. Obamacare exacerbated this mess: Insurers like UnitedHealth, Humana, and Aetna fled markets, leaving 1.4 million Americans without options as premiums soared 25% on average.
Two million dropped out of exchanges since January alone, unable to afford the “affordable” care. Government interference has turned health care into a job-killer too, with firms facing $2,000 fines per employee for not providing “affordable” coverage, stifling small businesses.  Continued after this next clip

Social media is rife with personal horror stories echoing these failures. One user lamented paying $1,200 monthly for family coverage, plus copays, questioning, “Why do I have health insurance?” when out-of-pocket costs rival premiums. Another exposed how an MRI costs $4,600 with insurance but just $400 cash—proof that insurers inflate prices to justify their existence. A surgeon blew the whistle on insurers’ latest trick: Approving procedure codes without guaranteeing coverage, only denying after the fact, leaving patients with massive bills. Even routine visits turn predatory; a father paid $244 for his daughter’s ear infection visit, with insurance covering only $60, on top of $556 monthly premiums. These anecdotes aren’t “fake news”—they’re the reality of a system where 41% of Americans carry medical debt totaling $220 billion, thanks to Obamacare’s unkept promises.  Continued below this next clip

The root cause? Government meddling via Obamacare created a cartel where insurers collude with hospitals to hike prices, then “negotiate” fake discounts, squeezing patients in the middle. Liberals rage about costs but ignore how mandates drove up expenses—emergency room visits didn’t drop as promised, and billions wasted on failed exchanges prove the point.
It’s no wonder public fury boiled over with the murder of UnitedHealthcare’s CEO, as frustrations with denials reach a breaking point. Enough is enough. Conservatives have long warned that socialized elements in our system breed inefficiency and corruption. The fix isn’t more government—it’s less. Enter Medical Savings Accounts (MSAs), often modernized as Health Savings Accounts (HSAs), the free-market antidote to this nightmare. MSAs let you save pre-tax dollars in a personal, portable account for medical expenses, paired with high-deductible plans that encourage smart shopping.

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Benefits abound: Triple tax advantages—deductible contributions, tax-free growth, and tax-free withdrawals—empower consumers to build wealth while covering needs. Unlike insurance, MSAs give you choice and control, letting you negotiate cash prices often 90% lower, as seen in that $400 MRI. They promote personal responsibility, reducing frivolous visits and driving competition among providers, which lowers overall costs. Heritage Foundation experts highlight how MSAs broaden coverage for working families, offering ownership that employer-sponsored insurance lacks— no more losing coverage with job changes. National Review argues for replacing the employer trap with HSAs, using tax credits to fund them, fostering a market where patients, not bureaucrats, decide.  Continued below this next clip

Imagine: No denials, no surprise bills, just your money working for you. Studies show HSA users make better choices, saving 10-20% on care. Even Obamacare tried to undermine HSAs by regulating them out of exchanges, but expanding them could slash costs by unleashing competition. Dumping insurance for MSAs aligns with conservative values: Less government, more freedom. Trump’s price transparency rules laid groundwork; now, repeal Obamacare’s mandates and let MSAs flourish. Families could save thousands annually, building nest eggs instead of lining corporate pockets. As one user put it, “Health insurance is a scam”—and MSAs are the escape. America deserves a system that rewards hard work, not punishes it. The era of Big Insurance ends now; personal savings accounts are the future.

• US Health Insurance companies are now charging for 2 visits if you take your child in for their regular checkup and ask a question not covered during a routine checkup
• Wisconsin man denied insurance coverage for life-saving device after heart attack: ‘not medically necessary’
• Surgeon shares story of insurance provider calling during patient’s surgery
• Florida woman arrested after threatening Blue Cross Blue Shield following denied medical claims: police
• 17-Pound, 4-Month-Old Baby Denied Health Insurance for Being Too Fat
• Southern California Teen Dies Hours After Insurance Company Reverses Decision on Transplant
• Veterans advocate speaks out after soldiers were denied more than 1 million medical claims
• Louisiana ‘Medicaid millionaire’ bought Lamborghini while claiming government benefits for years
• Social media mocks UnitedHealthcare CEO Brian Thompson’s murder
• Biden Doubles Down on Obamacare’s Broken Promises
• October Surprise: Consumers, Democrats Battered By Terrible Obamacare News
• Obamacare Is a Job-Killer: Here’s the Proof
• Trainwreck: Billions Have Been Wasted On Failed Obamacare Exchanges
• Building on the Successes of Health Savings Accounts
• Health Savings Accounts: How To Broaden Health Coverage for Working Families
• Expansion of Health Savings Accounts an …
• Why Is Obamacare Regulating Health Savings Accounts Out of …
• The Trap of Employer-Sponsored Health Insurance
• The GOP Must Be Practical When Replacing the ACA
• Lowering Medical-Care Costs by Expanding Patient Choices
• Trump’s Price Transparency Rule ‘Cements’ His Legacy of Lowering …
• Eggers and Bruner: Liberals Raging About Health Care …
• More Than 1 Million Will Lose Healthcare Insurance in 2017 as …
• Obama Failure Hits Americans with More Bad News

Ben and Luke at Whatfinger News. Heavy use of Townhall and Fox clips above