Robert J. Christadore

Fifty years inside the American healthcare funding system — from the early days of employer-sponsored insurance to the rise of managed care — gave me a front-row seat to the structural wrong turn that created today’s crisis.

With degrees in economics and law, I’ve spent my career at the intersection of incentives, policy, and real human outcomes. This book is the culmination of that journey: a clear diagnosis of how we got here and a practical, fully designed alternative — the Vitality-Capital Model.