The Covid-19 epidemic response has shown that the U.S. is blessed with heroic physicians and other health care providers, researchers, and facilities. But it has also revealed a health care system that was woefully unprepared for the surge of pandemic patients. In the authors’ analysis, the primary blame rests on a hospital and insurance financial model geared towards providing high priced services rather than meeting all demands for care, including pandemics. Then they outline a plan for creating a hospital sector that can better respond to the population’s health needs during a time of crisis.