In the U.S. there is a significant difference in healthcare spending at 9.3% than the overall economic growth at 3.6%, indicating a majority of household spending goes toward health insurance. The rise of healthcare spending greatly impacts the economy and to compensate for the rise many companies are looking for ways to cut cost. For example, reduce wage increase, decrease health care benefits, or shift the higher cost of healthcare premiums to the employee. Low-income individuals spend more than 5% of the income on health care coverage, and the average cost of health care rose from 28% to 42%. Consequently, causing difficulty for half of the chronically ill to pay for medical bills which contributes to delays in medical care. However,
