The American health care system has been regarded as a failure and one that does not meet the direct needs of ordinary American citizens. The ever increasing cost of health care is believed to have led to the existence of scores of uninsured Americans (Himmelstein and Woolhandler 1). Unlike most other nations, it is alleged that the United States spends a huge chunk of its Gross Domestic Product (GDP) on health care services. According to analysts, what the United States spends on health care should be sufficient to cater for the needs of all Americans (Boychuk 15). This, however, is not the case given that many Americans are still unable to benefit from the apparent heavy expenditure on the provision of health care services by the US government. As noted by Laham (13), many patients continue to suffer despite more than 20% of America’s GDP being used to meet health care costs. In the year 2012, for example, several individuals and families became bankrupt as a result of spending quite heavily on health care services. Ostensibly, insured individuals have not been spared considering that their health insurance covers are inadequate to meet all their medical expenses (Laham 14). For this and many other reasons, it is obvious that the United States needs a national health care insurance program that can effectively address health concerns of its citizens. The heavy allocation of the national budget to the provision of health care services certainly needs to be justifiable. Important Requirements for a National Health Insurance Program It is imperative for the US government to identify various stakeholders who can be consulted in the process of designing an effective national health insurance program. Stakeholders may be individuals, private and public organizations or community heads. Apparently, leaving out key players in the process has been seen by most medical practitioners as a hindrance to effective delivery of health care services to US citizens. Rather than denying them an opportunity to be heard, they should involved at every stage in order to alleviate loop holes that may be hidden within policies put in place to govern the provision of health care services. Presumably, the involvement of key stakeholders in policy making will eliminate any form of bias in the health care system and ensure that it can meet the needs of all Americans equally. Unfortunately, institutions such as the American Medical Association (AMA) have been accused of working against the implementation of plans meant to benefit individuals who may be unable to meet the cost of insurance (McCanne 115). Instead of promoting fairness AMA has been on the forefront of those accused of promoting unfairness. By and large, this has made it possible for greedy individuals within the medical sector to gain heavily while millions of Americans are denied the opportunity to access affordable health care services. The high cost of health care services in the United States can thus be linked to the activities AMA and other like minded organizations. Allegedly, these organizations have contributed to the suffering of many by being biased and only focusing on the affluent in the society while ignoring families and individuals who cannot afford the cost of insurance services. It is thus critical for the US government to constitute a group that is well balanced and able to represent individuals at al