It's called math.
Baby boomers are retiring, and therefore not paying into the system like they were. Now we have Gen-X'ers, Y, etc trying to support the Boomers and it isn't possible.
Yes, we are told that insurance companies plan for this, well, we were lied to. Sorry, but are you really that surprised?
It will get worse, not better, because more and more Boomers are retiring every year and month even. The industry will contract severely, as it must. How much? No idea, but in 2018 we'll get a very good idea.
The aging and ill need caring for, yes, but the standard will have to drop. Less caregivers, less money for care, etc. It's been very cushy until now you must admit. So much waste and overspending. That is now coming to an end.