Health care in the United States must change. Our lives depend on it.

The United States remains home to some of the greatest doctors, surgeons and medical facilities in the world.

People come to the United States from all over the world for specialized treatment. But, without question, there are serious deficiencies in the overall system. The World Health Organization ranked 190 nations on the overall quality of healthcare. The United States was ranked 37th.

Countries ranked ahead of the United States included France, Italy, Spain, Japan, Greece and Portugal. Canada took Western Hemisphere honors, earning the 30th spot.

Cost of healthcare services in the United States is prohibitive. A CNBC report this year found that about 530,000 American families seek bankruptcy protection every year because of medical costs. About 65 percent of American bankruptcies are related to medical expenses.

The horror stories involving costs and insurance entanglements are everywhere.