30-year healthcare veteran Jon Hernandez reveals how fee-for-service healthcare turned primary care into a “loss leader” that needs more sick patients to survive — and why direct-pay, relationship-based models are the only sustainable future.

Korb Matosich, co-founder of Asserta Health, explains why PPO networks drive up costs and how cash pay healthcare gives employers and employees true price transparency, dramatic savings, and freedom from the insurance middleman.