The problem is rising costs for the best of new procedures are outpacing the increase of wealth in America. This will continue until no one can afford the product anymore then research dollars will be spent trying to make the product cheaper. Imagine lying in one of them dual bed hospital rooms. The fella next to you hasn't exhausted the money left in his 401k yet so he was able to borrow against it to get a bone marrow transplant. You? Oops, you lived to 90. Although you retired upper middle class your insurance costs kept rising, and you know, the market hasn't gone anywhere in a decade so your investments fell behind inflation. You did take that retirement early when you were 60 so that's been a long time ago. So as health insurance for a 90 year old has become $14,500 a month you opted for a cheaper plan which does not cover squat w/o a healthy co-pay. So, you wanna pay for that bone marrow transplant or send that 82 year old wife of yours back to work this month instead of next? Pure capitalism. I see nothing wrong with the future.