•Analyze the impact of financing the present U.S. health care system and the consequential ramifications for citizens. Rationalize the use of dwindling funds to support the burgeoning U.S. health difficulties in a time of other competitive national interests. •Evaluate the levels of affordability and accessibility of different health services protocols that apply to working Americans and senior citizens under the U.S. health insurance umbrella. Rationalize the use of taxpayers funding for uninsured and economically challenged individuals.•Analyze the impact of financing the present U.S. health care system and the consequential ramifications for citizens. Rationalize the use of dwindling funds to support the burgeoning U.S. health difficulties in a time of other competitive national interests. •Evaluate the levels of affordability and accessibility of different health services protocols that apply to working Americans and senior citizens under the U.S. health insurance umbrella. Rationalize the use of taxpayers funding for uninsured and economically challenged individuals.