Abstract This report is part of an ongoing effort by a group of health care practitioners, lawyers, researchers, and activists to expose the disastrous impact of medical debt and for-profit health care on families and individuals in the United States. Private health care enriches a few—insurance companies, private equity firms, pharmaceutical companies, debt collectors, and global investors—at the expense of everyone else. Medical debt is a weapon of the class war because when patients cannot afford medical care, they are forced into debt, often with far-ranging and catastrophic consequences. As the rate of uninsured has grown, local governments have looked to state subsidies for private health insurance as a band-aid solution. Massachusetts has implemented such a program, and the Obama Administration’s Affordable Care Act has expanded this initiative on a national scale. Unfortunately, the ACA will not solve the problem because its primary goal is to expand the market-based system that has already proved to be a miserable failure. Insurance companies profit by denying coverage. As costs rise and benefits shrink, patients will continue to pay the price. We are in a major health care crisis, the consequences of which will be felt for decades to come. The only real solutions are: a grassroots social movement to demand universal health care, an end to the scourge of medical debt, and a national conversation on the meaning of health and wellness.