Shane Smith claims that the American health insurance system is rigged rather than broken and places an unfair financial burden on citizens.

“I have heard so many times the Health Care Systems broke the Health Care Systems broke and I want to be clear as day the healthcare system's not broke it's rigged and we're the ones fitting the bill”

People should take advantage of their health insurance benefits before they change or expire.

“like any upstanding citizen try to fleece a big corporation before they realize what's happening”

Insurance in modern healthcare is no longer functioning as a protection against random, infrequent, and unpredictable events, but rather acts as a discount card.

“Insurance today is a discount card it's not Insurance in healthcare like Insurance traditionally would be in other parts of your life where you procure insurance for random infrequent and unpredictable events”

Health insurance should be viewed as a transfer of risk for low frequency but high financial severity events.

“insurance is a transfer of risk of low frequency but high financial severity peril.”