More than 63 million Americans are caregivers for a family member with complex medical needs, a 20 million increase over the past decade, according to a new report.

But state policies, workplaces and the American health system haven't kept up with this surge in family caregiving responsibilities, said Dr. Myechia Minter-Jordan, a physician and the CEO of the AARP, which released the report with the National Alliance for Caregiving, a nonprofit policy and research organization.

"Nearly half of caregivers say they face major financial consequences, draining savings, falling into debt, or struggling to afford basic needs like food and housing," Minter-Jordan told reporters on a call recently.

One of the biggest reasons for the surge in family caregivers is that Americans are living longer, yet they're not necessarily healthier. There's a 12-year gap between the average number of years that Americans live and the number of years they're healthy.