50 million americans are uninsured and more millions are underinsured. U.S. Employers are shifting more of the healthcare cost to their employees and many small business owners cannot afford to offer healthcare insurance to their employees.

There is a need for a short-term solution. Would that be a tax reduction? or could that be giving more money from tax payers to insurance companies? or could it be to force small companies, by law, to give healthcare insurance to their employees?

Keep paying the mortgage or pay the medical bill that could save your own life?

This is real life. Imagine this. What would you do if a doctor tells you, your wife/husband, or your son or mother need a heart bypass surgery in the next month to have a chance to survive? You would say (if you have insurance), let's do it. Take your love one to the hospital and have the surgery right away.....but wait......how much is it?

A heart bypass costs around $90k to $175k! That means you will have to pay 30% of that medical bill, which means you will have to pay from $27k to $52k! Do you have that kind of money now?

You don't? Well, what are you going to do? Mortgage your house? Sell the car? Or maybe use college or retirement savings? and...are you sure the insurance company is going to cover the heart bypass surgery?

This is a huge problem americans are having and it seems its going to get worse.

The title of this iReport mentions a Solution. Well, let me tell you about it. The lady you see at the right side of the picture is Mrs. Mckenzie. She is a nurse and she lives in Grass Valley, California. She has 62 years old, has diabetes, high blood pressure, overweight, and whenever she travels, carries a bag full of medicines. She realizes that she has to do something about it soon.

She thinks, "I have health insurance. Then maybe I can use it and have gastric bypass surgery and improve my health". A gastric bypass in California is around $80k. Then, she has to pay $24k. Guess what? She doesn't have that kind of money. She thinks about mortgage her home for the second time. Imagine that, being 62 years old, when would she be able to retire?

The Solution. She searched the web for a solution. She finded out that in Guatemala, a third world country, there was a surgeon. He was trained in the US. Spoke fluid english and had experience. But the most important thing she discovered is that she could save $10k having surgery in Guatemala and that included air tickets, for her and a friend, hotel, all medical fees, meals and concierge and nurse service. She felt she was treated like a queen.

Her friend said "I felt the surgeon treated me like if I was the patient". Imagine that.

Soon, people, companies and insurance companies will realize that there is a chance for those who can't afford healthcare in the US. If the US government checks the background of hospitals and doctors abroad, it could give a real solution to americans to solve the healthcare crisis.

Please let me know what you think.

PD The picture was taken in Guatemala