In my mind, I think that the last option, D, represents the most dire of situations facing the health care industry, which is why I think that it is the right answer. The reality is that the rising cost of health care is something that the industry and its consumers must accept:
According to Health Affairs, $7,498 be spent on every woman, man and child in the United States in 2007, 20 percent of all spending. Costs are projected to increase to $12,782 by 2016
In this light, the projected increase in cost is going to impact health care providers, insurance carriers, and patients. At the same time, the population is growing in age, making it more in need of health care as they get older. This is the reality that faced the health care industry right now. In my mind, I think that it is a situation where people are living longer, and in need of more detailed and intricate health care. This becomes problematic when these costs rise for everyone and there is not a cap to this rise on the horizon. Catastrophic health care initiatives are currently at a point and continuing to progress to a point where more people are recognizing that they "cannot afford to get sick." It is this condition that is best seen in letter D of the four options.