Will Clinton Sort Out The Problem Of Health Insurance For Those With Pre-existing Conditions?

As the Presidential Election heats up it is perhaps not surprising to find that health care and health insurance is at the head of the agenda and, for many people, the possibility of solving the problem of getting affordable insurance cover for people with pre-existing conditions may make Hillary Clinton's plan an attractive choice. But will it work?

As with the majority of proposals it sounds great and promises new choices for people who currently have health insurance and also for the forty-seven million US citizens who are currently without health insurance coverage. In addition, it promises to cut your monthly premiums and give you better security of cover. For individuals with pre-existing conditions it promises to "end discrimination based on pre-existing conditions or expectations of illness".

Hillary's new plan to tackle America's health insurance requirements calls upon insurers to work with both employers and patients to offer a high standard of health care at a price which is affordable and also calls on government to implement reforms to the health care system in order to both improve the quality of care and lower costs.

This of course is exactly what everybody wants to see but if it was really that easy why is the health care system today in such a mess and why are costs soaring instead of falling?

The simple fact is that this is just the latest in a growing list of proposals to sort out the health care system and is pie in the sky. In essence it is little more than a political plan that is very well written and beautifully presented and will no doubt to some extent meet its objective, which is quite simply to win votes. It will not however do anything to improve the health care system because it is simple does not address real world issues.

Today health insurance is very big business and has very little to do with offering health care and a great deal to do with earning money for the insurance companies. Now you can of course talk to the insurers until you are blue in the face however, unless the government is going to throw a considerable sum of money at the problem then costs will go on increasing.

Anyone who has experience of private medical treatment carried out abroad will know very well that much of the cost of providing care at home represents profits for the insurer and not the cost of providing care. You need only seek medical treatment in any of the many superb hospitals in the Far East to realize that you can obtain the very highest quality of care at a mere fraction of the cost of buying that same treatment in the United States. And if you believe that the standard of treatment abroad is not as good as that in the States then think again because a lot of the hospitals throughout the Far East today are staffed by very highly qualified doctors and surgeons and have some of the most modern equipment to be found anywhere in the world.

Now you can talk about working with the providers to bring costs down but the truth of the matter is that it is not in their interests to do so. Costs will remain high and in fact will continue to rise until the government itself takes over responsibility for the provision of the majority of health care in the United States.

MedicalHealthInsuranceToday.com provides information on all aspects of affordable health insurance as well as the problems of finding affordable health insurance for pre-existing conditions