The crisis that the health care system is facing has been brewing for sometime and thankfully, it is finally getting much needed attention from media, the general public and lawmakers. This may be due to the many studies that even with healthcare many people still end up surprised with the high costs even in the wee years of retirement. Retirees, even with health insurance will spend the rest of their breathing days having to pay for much of their health care needs out of their pensions even with health insurance in place. Many people with insurance but mostly without are getting surprised at just how high the amounts of cash that has to go out of their financial stores just to maintain the health of their families. Underinsured people suffer so much around two die every minute just because they do not have insurance and cannot afford the medical treatment they need.