This audiobook is narrated by a digital voice.

Succinctly stated, a broken health insurance system is a type of broken system in which the upsides of forgoing perpetually paying for a health insurance policy preponderantly outweigh the upsides of perpetually paying for a health insurance policy in most contexts. Even though there are certain contexts in which the benefits of procuring a health insurance policy can outweigh the upsides of forgoing perpetually paying for a health insurance policy, this is, however, not the case in most contexts in broken health insurance system. An example of a scenario in which the benefits of procuring a health insurance policy can outweigh the upsides of forgoing perpetually paying for a health insurance policy in a broken health insurance system encompass a person being in need of tens of thousands of dollars of chronic care in hospitals within the time span of a year. If a person is in need of chronic care in hospitals within the time span of a year that is in an amount of fiat currency that exceeds the annual deductible of a health insurance policy, then it would be favorable for him to have procured a health insurance policy in this scenario that covers the cost of receiving chronic care in hospitals. "Ninety percent of the nation's $4.5 trillion in annual health care expenditures are for people with chronic and mental health conditions". The cost of receiving chronic care in hospitals can be sizeable. "Hospitalization is one of the most expensive types of health care use, resulting in an average adjusted cost of $14,101 per inpatient stay at community hospitals in 2019. The most frequent diagnoses for hospitalizations are septicemia, heart failure, osteoarthritis, pneumonia, and diabetes mellitus". In a broken health insurance system, health insurance coverage is lackluster. In a broken health insurance system, health insurance coverage does not cover the cost of elective surgical procedures.