In this conversation, Heath breaks down the brutal math reshaping American healthcare:

1.1 million physicians left.

68% employed by health systems.

12% employed by Optum.

6% by private equity.

Barely 220,000 independent—and shrinking.

We talk plainly about:

• Why physicians “had the opportunity of a lifetime in the last six months” and missed it

• How hospitals weaponize provider taxes, subsidies, and politics

• Why premiums are now the second-largest financial burden after taxes

• What’s really driving 20% of GDP in healthcare spending

• Why DC never sides with physicians—and how the AHA keeps winning

• The math behind a consumer uprising that’s already underway

Heath also reveals the untold story of physician-owned hospitals, the billion-dollar arbitrage that keeps independent doctors locked out, and why the next 12 months will decide the future of the profession.

If you’re a physician who wants independence, leverage, and a path out of the health system trap, this episode is a wake-up call.

Support the show

If you want to support these efforts, Buy Dutch a Cigar, connect via socials, or collaborate, visit:

👉 Stan.Store/DutchRojas

Minnesota just lost a billion dollars to the largest Medicaid fraud in American history. Fake kids. Fake meals. Fake providers. Real money. Gone. But the fraud is just the symptom.

For 40 years, Minnesota has enforced a hospital construction moratorium that makes competition illegal. You can’t build a hospital. You can’t add a bed. Not without a law passed by the state legislature. A perfect monopoly shield for the state’s largest nonprofit health systems — and a perfect environment for fraud to thrive.

In this episode, Dutch breaks down how the fraud happened, why the oversight failed, how whistleblowers were ignored, and why Minnesota’s monopoly structure keeps premiums high for families, employers, Medicaid, and Medicare.

This isn’t a partisan story. It’s an incentive story.

When competition is illegal, fraud becomes easy — and prices explode.

If you want healthcare that’s affordable and accessible, start by understanding how Minnesota became the national case study in what not to do.

Full breakdown and receipts on Substack.

Support the show

If you want to support these efforts, Buy Dutch a Cigar, connect via socials, or collaborate, visit:

👉 Stan.Store/DutchRojas

Physicians have no idea they can own their own insurance company—and stop bleeding cash into carriers who never return a dime. In this conversation, Collin Krickl breaks down how captives, self-funding, and enterprise-risk coverage can transform a practice’s balance sheet.

CLIP SUMMARY

Dutch sits down with Collin Krickl of Leon Capital & Bastion Insurance Group to explain how medical malpractice, property, and enterprise-risk insurance can be re-engineered to give physicians control instead of draining their operating cash. They cover how to move from premiums to contributions, how to build real enterprise value, how to handle property challenges nationwide, and how multi-specialty groups can insure risks no carrier will touch.

TACTICAL TAKEAWAYS

Physicians can own their own insurance company through a captive—and keep underwriting profit.

Premiums are expenses you never see again; contributions build assets.

Captives allow you to manage claims internally instead of fighting third-party carriers.

Years of actuarial data make practices perfect candidates for self-funded medmal.

Small groups (10+) can build enterprise-risk captives covering risks no carrier underwrites.

Distributed risk across physician-owned captives can reduce property costs nationwide.

Control is the most valuable asset physicians are missing today.

WHO THIS IS FOR

Independent physicians
POHs
ASC owners
Multi-specialty groups
Operators tired of watching insurers build wealth on their backs
Anyone looking to understand enterprise-risk strategy in healthcare

CALL TO ACTION

If you’re a physician who wants to stop paying for someone else’s jet and start building your own balance sheet, subscribe and watch the full episode of The Rojas Report every week.

DUTCH’S MISSION

Affordable and accessible healthcare for everyone, everywhere—powered by physicians who own their future.


4. CONNECT WITH DUTCH: Stan.Store/DutchRojas

Support the show

If you want to support these efforts, Buy Dutch a Cigar, connect via socials, or collaborate, visit:

👉 Stan.Store/DutchRojas