Hawaii, where I live, has the highest cost of living in the country. Study after study shows many doctors retiring early or are leaving the state because of inadequate reimbursements by both Medicare and private insurers. Not sure how widespread the problem is.
The restrictions on how Social Security is allowed to reinvest its revenues is one major issue for being underfunded.
In conclusion, I agree that we have problems that need to be addressed sooner, rather than latter, but think both programs are worth fixing and saving although it appears the political will is lacking.