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Healthcare is one of the top social and economic problems facing Americans today. The rising cost of medical care and health insurance is impacting the livelihood of many Americans in one way or another. The inability to pay for necessary medical care is no longer a problem affecting only the uninsured, but is increasingly becoming a problem for those with health insurance as well. * Nearly 50 million Americans do not have health insurance, while another 25 million are underinsured. * The amount people pay for health insurance increased 30 percent from 2001 to 2005, while income for the same period of time only increased 3 percent, as reported by the Robert Wood Johnson Foundation. * The typical family health insurance plan costs $12,000 a year or more. * Healthcare expenditures in the United States exceed $2 trillion a year. In comparison, the federal budget is $3 trillion a year.