Furthermore, the rate of increase for health coverage is far higher than all other cost increases for most employers. This rapidly growing component acts to reduce the funds available to pay cash compensation to employees or provide other benefits and, on a global level, reduces the competitiveness of the products and services of American companies. This situation is not sustainable over the long haul for either small employers or their employees and family members.

Private health insurance costs are a major burden on the middle and lower classes. Many that can afford health insurance have to struggle to pay for it. Many can't afford it at all, but are not deemed poor enough to qualify for Medicaid.

As a result, many people do not have reliable access to health care.

Finally, those that do have access do not receive the level of care that they need.