Twenty years ago, U.S. healthcare cost $2,800, on average, per person. Ten years ago, that figure had risen to $4,700 per person. And four years ago, in 2008, it was $7,500 per person, according to this Kaiser Family Foundation Report. Over the same period, the portion of Americans without insurance has risen. In 1990, 14.1 percent of Americans were uninsured. In 2000, 13.1 percent were uninsured. Today, 16.3% of Americans are uninsured (approximately 50 million people), in part because of job losses and employers cutting back on coverage.

At the same time the number of uninsured has risen, there have been stunning innovations in healthcare. One example is an iPhone case that can turn the phone into an EKG monitor that automatically sends data to a cardiologist, according to Vivek Wadhwa of Stanford and Singularity Universities, who has been testing the device, by a startup called Alivecor, as part of a clinical trial. “If approved by the FDA, this product will allow heart patients to check their symptoms whenever they want, wherever they are, and get quick feedback from their doctor. The product is expected to cost $100 or less—which is comparable to the cost of a single EKG test today,” Wadhwa wrote in a recent Washington Post story. At a conference, Wadhwa showed a group of us the device, and let someone else use it. It’s remarkably simple, and, apparently, cost effective.

We’ll need to constantly remind ourselves of the public good when it comes to healthcare innovation … all innovation, really. As I look down the road 5, 10, 20 years, I see healthcare becoming bifurcated between not only today’s haves and have-nots, but between people who can afford more expensive advanced technologies and life-saving approaches. We don’t even have to look into the future. One great example from the present is Steve Jobs. The Apple founder bought a house in Tennessee, where he received his transplant. As William Saletan wrote in Slate, the wait in Northern California, where Jobs lived, was three times the wait in Tennessee and few people with the kind of metastized cancer that Jobs had have ordinarily qualified for a liver transplant, because of the chance of it attacking the new organ. The average waiting time for a liver transplant is nearly a year, but varies widely by state and medical institution.

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Within the next five years, many more provisions of the Affordable Care Act will come online — ones that protect against gender bias in insurance; prevent insurers from turning away people with pre-existing conditions; and one that track health disparities by race, among other factors.

I’m afraid that as technological innovation accelerates, we will see not a diminishment of health disparities, but an increase. Some wealthy Americans — the Steve Jobs of the future — will do anything they can within the system to live. Some people in other nations and even the U.S. are already acting outside of the system, for example, with illegal organ transplants. And as prototypes, for example, exoskeletons that allow paralyzed people to walk, come on market, who will receive them, and who will be able to pay? All insurance is not created equal, and certainly all healthcare isn’t. So as we take a look down the road at the future of healthcare, let’s keep our eye not only on what’s legal, but what’s ethical, humane, and fair.

Farai Chideya has covered presidential elections, natural disasters, and dictatorships — as well as the arts and technology — in a two-decade journalism career that spans print, radio, digital, and televised media. She is currently a distinguished writer in residence at the Arthur L. Carter Journalism Institute at New York University.