How We Let Health Insurance Break (and Why It’s Still Broken)

When an employee complains that their health plan sucks, it shouldn’t be annoying. As a person in HR, it should be music to your ears. And it feels infuriating…sure. But it’s a clue, not a total failure. Each frustration people experience (a denied claim, a surprise bill, a premium increase) is just a symptom of deeper structural flaws in our healthcare system. So…how did we get here? Slowly. And with plenty of misplaced trust. We let misaligned incentives and complacency boil the proverbial lobster, creating today’s health insurance chaos.