The rising costs and shrinking reimbursements from insurance programs like Medicare and Medicaid are contributing to the downscale. The rising number of people lacking health insurance not only affects the uninsured and their families but the impact is felt on the nation”s economy and the healthcare system. There are several possible reasons for the cause in the rising number of the uninsured. The rising health care costs are a problem for employers, particularly for small employers with fewer than 50 workers. On the other hand, employees of large companies have been mandated to pay rise in services they offer.