Health care finance has changed drastically over the last five decades. Initially, Medicare and Medicaid were established to help the elderly, lower income families, and the disabled, afford decent medical care. It has now grown into a multi-billion dollar industry and over the years it has changed to benefit not only the elderly and poor, but everyone. As medical technology grows, so do the costs of health care for everyone. In his health care reform, President Obama says our health care system is one of the biggest causes of our economic troubles, going so far as to name it a, “ticking time-bomb.” (Johnson, Linda A., 2010).