Will Hillary Resolve The Problem Of Health Insurance For Individuals With Pre-existing Conditions?

As the US Presidential race heats up it is hardly surprising to find that health care and in particular health insurance is high on the agenda and, for many people, the possibility of solving the problem of low cost insurance cover for people suffering from pre-existing conditions may make Hillary Clinton's plan an attractive option. But will it work?

As with most plans it sounds fantastic and promises new options for those who presently have health insurance coverage and also for the 47 million US citizens who are currently without any form of insurance. It also promises to cut your premiums and provide you with increased security of cover. For those suffering from pre-existing conditions it also promises to "end discrimination based on pre-existing conditions or expectations of illness".

This plan to tackle America's health insurance needs calls upon providers to work collaboratively with both employers and patients to offer a high standard of health care at an affordable price and upon government to reform the health care system to both improve the quality of care and decrease costs.

Now of course this is exactly what everyone wants to see but if it were that easy why is the health care system in such a mess today and why are costs increasing instead of falling?

The fact is that this is just the latest in a growing list of plans to reform the health insurance system and is pie in the sky. In reality it is nothing more than a political document which is very well written and beautifully presented and will undoubtedly to a certain extent meet its objective, which is simply to drum up 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 big business and has little to do with offering health care and everything to do with earning money for the insurance companies. Now you can of course talk to the providers until you are blue in the face but, unless the US government is willing to throw a considerable sum of money at the problem then costs will go on increasing.

Anybody who has experience of private medical care carried out abroad will know only too well that a large portion of the cost of providing care in the US represents profits for the insurance companies and not the actual cost of providing care. You need only seek major medical treatment in any of the many wonderful hospitals in the Far East for example to know that you can get the highest quality of care at a mere fraction of the cost of buying that same care in the United States. And if you believe that the standard of care abroad is not as good as that in the States then think again because a lot of the medical facilities throughout the Far East are staffed by highly qualified surgeons and doctors and have some of the most up-to-date equipment to be found anywhere in the world.

It is all very well to talk about working with the providers to bring costs down but the simple fact of the matter is that it is not in their interests to do so. Costs will stay at their present high levels and indeed will continue to increase until the US government takes over responsibility for the provision of the majority of health care in the United States.

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