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The expense of insurance has risen dramatically over the last ten years, far surpassing the general rate of inflation lately. Between 1989 and 1996, the average amount an employee had to donate for household coverage jumped from $935 to $1778. In 1990, American businesses spent $177 billion on health benefits for employees and their dependents; this amount climbed to $252 billion by 1996, or more than twice the rate of inflation. Among the cost drivers: an aging population -- that the number of senior citizens who need health benefits is increasing dramatically every year; clinical technology advances -- that decreased the death rate; new drugs -- expensive and powerful, which make us live more; and naturally the increase of fear in medical litigations among doctors. Increase in usage will surely increase the cost of health care. Normally, between the ages of 45 and 65, a person's use of medical care triples. Eighty year-olds use nine times more health care services compared to 45 year-olds. By the year 2030, the number of people over 65 is expected to doublecheck. The cost for medical services have increased also. Since 1980, medical price have climbed 281%. The number of organ transplants has doubled in the past 15 decades, and all transplants cost over $100,000. From my point of view, I believe growth in medical litigations is one of the most significant factor of healthcare crisis. Americans spend a lot more per person on the expenses of litigation than any other country in the world. The surplus of the litigation system are still an essential contributor to "defensive medicine" -- the costly use of health care treatments by a doctor for the purpose of preventing litigation. Since multimillion-dollar jury awards have become more commonplace in the last few decades, these issues have reached crisis proportions. Insurance premiums for malpractice are increasing at a fast rate, especially in countries who have not taken steps to create their legal systems function more predictably and effectively. Doctors are facing higher prices of insurance. Since the litigation system doesn't correctly judge if an error was committed in the course of medical care, physicians adjust their behaviour to prevent being sued. A recent poll of physicians revealed that one-third shied away from moving into a specific specialization since they feared it would subject them to greater accountability exp...