Employees, consumers and taxpayers pay for the rising costs of health insurance. Businesses pass along a portion of rising premiums to their workforces in the form of lower wage increases or higher payroll deductions for benefits. Companies add the cost of the fringe benefits, including health insurance, to the price of their products and services. Government health care programs make up very large percentages of the federal and most state budgets affecting taxes being imposed or reallocation of funding amongst competing programs. Do we have a moral obligation to provide healthcare insurance and coverage to everyone as needed or is healthcare a commodity that should be subject to the same market place influences as other commodities?