Concerns over rising health care costs have kept pace with other major economic worries - second only to skyrocketing gas prices and tied with getting a job or raise that pays enough to cover increased living expenses. Health care is a huge national concern. There's a lot of talk about health care reform, and the industry does need it, especially since so many people that are only after the most basic of care have to get emergency cash loans to cover something as simple as a simple antibiotics script, and a full third of the nation is without health insurance. The lead researcher for the Dartmouth Atlas of Health Care, Elliot Fisher, a practitioner for over 20 years, has pointed out that areas that spend more on health care interestingly spend more on unnecessary procedures, and have higher mortality rates. So why do we need payday cash advances for health care that is worse when more expensive?