This was tested in an interview with a well-being expert; Decline in the health of the working class / Why is "Leumi Insurance" unable to provide medical services to employees and retirees? A welfare and national insurance expert said: reducing resources together with increasing treatment costs can make people pay a larger part of the costs. In this way, the financial problems of the insurance organizations not only affect the internal situation of these organizations, but can also lead to a reduction in service coverage and an increase in patients' out-of-pocket costs.