Table of Contents

Front Matter

• Dedication — iii
• Acknowledgments — iv
• How To Read This Book — v
• The Roadmap — vi

Part I — The Dream, the Drift, and the Wrong Turn

• Prologue — 2
• Chapter 1 — The Night I Saw It — 4
• Chapter 2 — When It Still Worked — 8
• Chapter 3 — Into the Rabbit Hole — 13
• Chapter 4 — Two Viewpoints — Two Structures — 26
• Chapter 5 — The Evidence You Can Feel — 35
• Chapter 6 — Choosing Your Advisor — 45
• Chapter 7 — Where the Money Flows — 53
• Chapter 8 — A Return To Simplicity — 59
• Chapter 9 — The Lens Changes — 69

Part II — From Reimagination to Repositioning

• Part II Introduction — 75
• Chapter 10 — Where the Money Is Currently Flowing — 78
• Chapter 11 — The Great Redirection — 88
• Chapter 12 — The Health Capital Account — 99
• Chapter 13 — What Is a Personal Vitality Advisor — 106
• Chapter 14 — When the Consumer Disagrees — 111
• Chapter 15 — The Friendly Companion — 115
• Chapter 16 — When Life Feels Like Freedom — 122
• Chapter 17 — Prices in the Open — 130
• Chapter 18 — What Must Change — 138
• Chapter 19 — Transition Phases — 147
• Chapter 20 — What Gets Out of the Way — 156
• Chapter 21 — What About the Sick — 162
• Chapter 22 — Trust, Privacy, and the Data Deal — 172
• Chapter 23 — The Return of Competition — 183
• Chapter 24 — The Competition Nobody Sees Coming — 195
• Chapter 25 — The Ask — 204
• Epilogue — Back to the Dream — 209

Appendices

• Appendix A — Glossary of Terms
• Appendix B — The Fork in the Road: The 1973 HMO Act
• Appendix C — The Cost of Sick Care
• Appendix D — Evidence & Charts
• Appendix E — National Vitality-Capital Model Framework
• Appendix F — Health Capital Account In Action
• Appendix G — Future-Ready Healing
• Appendix H — PVA Compensation & Performance Escrow
• Appendix I — What's In It for the Government?
• Appendix J — Clearing the Brush: Regulatory Changes
• Appendix K — Chronological Roadmap
• Appendix L — Thematic Roadmap