We the People Healthcare Act: 12 True Insurance Denial Stories That Will Make You Furious (2024–2025)
- Jeremy Black
- Dec 11, 2025
- 8 min read
Updated: Dec 17, 2025
By Jeremy Black
December 11th, 2025
These are not hypotheticals. These are real names, real families, real graves, all in the last 18 months.
Every single denial was 100 % legal under the current system.
The We the People Healthcare Act ends every one of these horrors tomorrow, with five simple lines that ban prior authorizations, forced switches, and denials of medically necessary care.
Read these stories. Feel the rage. Then take action at the end.
Story 1 – “Experimental” Cancer Drug Denied → 38-Year-Old Mother Dead in 9 Weeks-We the People Healthcare Act Would of Prevented!
Jessica Barnett, Knoxville, Tennessee. Diagnosed with stage-4 non-small-cell lung cancer in January 2025.
Her oncologist prescribed Keytruda + carboplatin, standard of care, FDA-approved since 2018, 42 % five-year survival.
UnitedHealthcare denied it as “investigational combination.” First appeal: denied. Second appeal: denied. External review request took 51 days.
Jessica died on March 14, 2025, while still waiting.
Her husband Chris now owes $187,000 and raises their two daughters alone.
UnitedHealthcare posted $22.4 billion profit that quarter.
Source: ProPublica / NPR joint investigation, March 2025
Story 2 – Heart Transplant Denied Because “Too Expensive” → 19-Year-Old Dies Waiting
Matthew Davis, Columbus, Ohio. Congenital cardiomyopathy. Listed 1-A on UNOS transplant list in December 2024.
A donor heart became available January 3, 2025.
Aetna denied the transplant, citing an internal “cost-effectiveness algorithm.”
He died 38 days later.
Two weeks after Matthew’s death, Aetna quietly approved a $3.1 million heart-lung transplant for the 46-year-old daughter of a Fortune-500 CEO on the same plan.
Source: Cleveland Plain Dealer 6-month investigation, January–June 2025
Story 3 – Insulin Classified as “Not Medically Necessary” → Permanent Brain Damage
Sarah Miller, Phoenix, Arizona. Type-1 diabetic since age 7. Perfectly controlled on Humalog.
February 2025, CVS Caremark (her PBM) forcibly switched her to Admelog to save $11 per vial.
Her body rejected it → severe ketoacidosis → 11-day coma → anoxic brain injury.
Sarah, 29, now requires 24-hour care and cannot speak.
CVS Caremark made $1.9 billion in “formulary management fees” that year.
Source: Arizona Republic series “Insulin Roulette,” April 2025
Story 4 – Prior Authorization Delay Kills Newborn in NICU
Baby Emma Rodriguez, born at 26 weeks in San Antonio, Texas, February 2025.
Needed surfactant therapy within the first hour, standard protocol.
Blue Cross Blue Shield required three levels of prior authorization + peer-to-peer review.
Total delay: 14 hours and 11 minutes.
Emma suffered irreversible lung collapse and was removed from life support at 19 hours old.
BCBS’s medical director who denied the initial request received a $1.4 million bonus in 2025.
Source: Texas Medical Board public report + hospital whistleblower, June 2025
Story 5 – Mental Health Facility Denied → Suicide Three Days After Discharge
Ryan Carter, 31, Denver, Colorado. Severe major depression with active suicidal ideation.
Psychiatrist requested 30-day inpatient stabilization in March 2025.
Cigna denied it, claiming Ryan “did not meet InterQual intensity of service criteria.”
Discharged against medical advice.
Hanged himself three days later.
Cigna’s behavioral health division saved $87 million that quarter via denials.
Source: Denver Post 5-part series, May–June 2025
Story 6 – Rare Disease Drug Denied for 6-Year-Old → Permanent Brain Damage
Liam Chen, San Francisco. Diagnosed with Hunter syndrome (MPS II) at age 4.
Only approved treatment: weekly Elaprase infusions ($450,000/year).
Anthem Blue Cross denied coverage for 11 straight months, claiming “insufficient long-term efficacy data.”
By the time a judge ordered payment in October 2025, Liam had suffered irreversible neurological decline.
Now nonverbal, incontinent, wheelchair-bound at age 6.
Source: Los Angeles Times front-page story, July 2025
Story 7 – Stroke Rehab Denied → Iraq Veteran Paralyzed for Life
Sergeant Michael Ortega, 34. Returned from Iraq with PTSD, suffered massive hemorrhagic stroke in 2024.
Needed 90-day intensive inpatient rehab.
Tricare denied anything beyond 21 days, citing “lack of expected functional improvement.”
Michael is now quadriplegic, on a ventilator, in a nursing home.
His wife left the Army to care for him full-time.
Source: Military Times investigative report, February 2025
Story 8 – Breast Reconstruction After Mastectomy Denied as “Cosmetic”
Kelly Thompson, Atlanta, Georgia. Double mastectomy for BRCA-2 mutation in 2024.
Federal law (Women’s Health and Cancer Rights Act of 1998) mandates coverage for reconstruction.
Humana denied it anyway, labeling it “cosmetic enhancement.”
Kelly spent $42,000 out of pocket and still has no reconstruction.
Humana paid its CEO $21 million that year.
Source: Atlanta Journal-Constitution investigation, September 2025
Story 9 – Emergency Airlift Denied → Farmer Bleeds Out in Field
Tom Erickson, 58, central Nebraska. August 2025 combine accident severed his femoral artery.
Flight for Life helicopter 11 minutes away.
His Medicaid managed-care plan (UnitedHealthcare Community Plan) required ground ambulance to a hospital 2.5 hours away.
Tom bled out in 41 minutes while the helicopter sat on the pad.
Source: Omaha World-Herald front page, August 2025
Story 10 – Fertility Treatment Denied → Couple Bankrupted After 7 Failed Rounds
Megan and Chris Harper, Raleigh, North Carolina. Unexplained infertility.
After four years and $147,000 out-of-pocket for seven denied IVF cycles, filed bankruptcy October 2025.
Blue Cross Blue Shield classified all IVF as “elective” despite North Carolina mandate.
Source: Charlotte Observer 3-part series, October 2025
Story 11 – Epilepsy Medication Switch Forced → 11-Year-Old Dies in Seizure
Ava Williams, Tampa, Florida. Seizure-free six years on brand Keppra.
Express Scripts forced generic switch September 2025 to save $9 per fill.
Breakthrough seizures → fatal SUDEP October 3, 2025.
Parents found her face down in bed.
Source: Tampa Bay Times, November 2025
Story 12 – Chemotherapy Dose Reduction Ordered by Insurance → Cancer Returns
Robert Nguyen, Seattle, stage-3 colon cancer.
Oncologist ordered full-dose FOLFOX.
Premera Blue Cross mandated 30 % dose reduction “to reduce toxicity costs.”
Cancer metastasized to liver six months later.
Robert died September 2025, age 52.
Source: Seattle Times investigative report, April 2025
These Are Not “Edge Cases” , They Are the Business Model
In 2025, the six largest insurers denied 32.8 % of all claims requiring prior authorization (KFF).
They saved tens of billions. They killed and maimed thousands. And it was all perfectly legal.
The We the People Healthcare Act ends every single one of these horrors tomorrow, with five lines that ban prior authorizations, forced switches, and denials of medically necessary care.
The CEO Assassination – Why the Rage Is Real (But the Target Is Wrong)
November 4, 2025: UnitedHealthcare CEO Brian Thompson assassinated in midtown Manhattan.
Shell casings engraved “DENY,” “DEFEND,” “DEPOSE.”
Social media exploded with celebration.
The rage is justified.
Thompson’s company denied 1 in 3 claims while posting $22.4 billion profit.
His compensation: $48.7 million.
But the gunman shot the wrong target.
The real criminals wear congressional pins.
Every denial was 100 % legal under laws written by Congress, purchased with $687 million in bipartisan donations.
Killing one CEO changes nothing. The next one follows the same rules.
The We the People Healthcare Act changes everything, in one page, without a bullet.
The Secret Playbook Every Insurance Company Uses to Deny Your Claim
Leaked 2025 Cigna “Denial Maximization Manual” tactics:
Delay “Need more records”
Downgrade Re-code to cheaper category
Defer Peer-to-peer review (weeks)
Deny Boilerplate language
Defend Make appeals exhausting (67 % give up)
This isn’t incompetence. This is profit.
The We the People Healthcare Act bans every tactic.
How Much Money Did Your Insurer Make From Denials Last Year?
2024–2025 SEC filings:
UnitedHealthcare → $8.9 billion
Anthem/Elevance → $6.4 billion
Cigna → $5.1 billion
Aetna/CVS → $4.7 billion
Humana → $3.3 billion
BCBS plans → $11.2 billion
Total: $39.6 billion stolen legally.
The Act turns that into refunds and penalties.
Frequently Asked Questions About the We the People Healthcare Act
Here are 20 hard-hitting FAQs that destroy every common objection, excuse, and lie the elites and media will throw at this bill. Each one is backed by real data and examples from 2025.
Will the We the People Healthcare Act leave people uninsured or underinsured? No, it guarantees universal catastrophic coverage + HSA deposits for everyone, with 100 % subsidies under 200 % FPL and sliding-scale up to 400 %. More generous and effective than the ACA, with zero medical bankruptcies.
What about pre-existing conditions? Fully protected, catastrophic plans cannot deny or charge more, just like the ACA. HSAs cover deductibles for subsidized families, so cancer or diabetes costs $0 out-of-pocket.
Won’t this destroy Medicare and Medicaid? It saves them. Medicare/Medicaid spending drops from $2.3 trillion to ~$900 billion by mid-2030s because prices collapse and prevention skyrockets. Benefits stay intact, seniors get better care.
Will hospitals and doctors go out of business with price caps? No, Singapore caps at ~120 % of public rates and has more beds per capita than the U.S. Cash-paying patients + real competition make providers profitable again.
What about rural hospitals closing? Rural hospitals close today because of unpaid bills. Every patient gets real coverage + HSA cash, bad debt vanishes, rural facilities thrive.
Millions of insurance jobs will be lost! Insurers pivot to catastrophic plans and HSA administration, still hundreds of billions in revenue. Billing bureaucrats become customer-service reps. Progress, not loss.
Isn’t this just “socialism” or government takeover? No, it’s private insurance, cash payments, and competition on steroids. More market-driven than the ACA’s mandates and subsidies.
What about Medicare for All, isn’t that better? Medicare for All costs $32–$52 trillion over 10 years with rationing and queues. This saves $1.95 trillion/year, covers everyone, and empowers patients, no bureaucracy.
Will doctors quit if we change incentives? Doctors hate prior authorizations and billing wars today. DPC + capitation lets them focus on patients. Texas tort reform added 7,000 doctors after similar changes.
How do we pay for HSA deposits and subsidies? Deficit-neutral Year 1 from savings ($420B transparency + $380B catastrophic shift + $290B monopolies). By Year 5, massive surplus.
What about the poorest Americans on Medicaid? They leave Medicaid (long waits, few doctors) for real private coverage + $10,000 HSA cash/year. They can see any doctor, life-changing upgrade.
Won’t drug companies stop innovating if prices drop? U.S. revenue is 40 % of global Pharma profits. Negotiation + imports still leave billions for R&D, Europe innovates just fine at 60–80 % lower prices.
Is this constitutional? Yes, Congress regulates commerce. Same authority as ACA mandates and Medicare.
What if providers ignore transparency? $10 million fine per violation, enforced like OSHA safety rules.
Will this increase wait times like single-payer countries? No, cash + competition shortens waits. Oklahoma Surgery Center has no lines; Singapore has same-day specialist access.
What about seniors on fixed incomes? Full subsidies + $10,000 HSA + no more surprise bills = seniors keep more money and get better preventive care.
Can states opt out or sabotage it? Federal law preempts, just like ACA exchanges. States can add bonuses.
What if Congress waters it down? We reject anything less than the full act. Primary them.
I’m healthy, why should I care? One accident or diagnosis changes everything. This protects you when you need it most, and saves you $16,000/year even if you’re healthy.
What’s the first thing I do right now? While our text campaign focuses on the Lifetime Lobbying Ban (the foundation), call/email your rep/senators demanding co-sponsorship of the We the People Healthcare Act. Use the template in the pillar post. Your voice matters today.
Stop Waiting. Start Fighting.
The media won’t fix this. Congress won’t. You will. Because while common sense is dead, Rare Sense is just waiting for We the People to wake up! Enough talk about high prices, corrupt government, and the biased media! The time to take action is now. Grab your copy of the blueprint to restore power to We the People! Rare Sense to Save America is wherever great books are sold, including Amazon at https://a.co/d/dmxAYjK.
Thomas Paine's Common Sense – Your Call to Action
Thomas Paine united a divided people against tyranny.
Rare Sense to Save America is the 21st-century Common Sense.
Your ancestors paid with blood.
All we ask is action.
While our text campaign focuses on the Lifetime Lobbying Ban (the foundation), take action on healthcare now:
Call your rep/senators
Email the template
Mail the bill
Demand co-sponsorship of the We the People Healthcare Act.
Then join:
Get the Book: https://a.co/d/dmxAYjK
We are coming.
For more detail read our Healthcare pillar page
Check out our live counter on our fight page where we also have an easy way to contact all your members of Congress simply by texting WethePeople to 50409. Our current fight is the Lifetime Lobbying Ban.
Once we finish that we will move the text fight to Healthcare. In the meantime write, call, email on healthcare and make sure you text for Lifetime lobbying ban and add your name to our leaderboard!
Every name = one demand sent to Congress. When it hits one million, the cartel loses.
Add your name now, takes 30 seconds, Add me to the Rare Sense Wall of Fame!
Comments