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With the Presidential race in full swing it is no surprise to discover that health care and in particular health insurance is at the head of the agenda and, for a lot of us, the prospect of solving the problem of getting cheap health insurance for people suffering from pre-existing conditions may make Senator Clinton's plan an attractive option. But can it really work? As with most proposals it sounds great and promises a range of new options for those who currently have insurance coverage and also for the 47,000,000 US citizens who are currently without any form of insurance coverage. Additionally, it promises to lower your monthly premiums and provide you with greater 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". Hillary Clinton's plan to address America's health insurance needs calls upon providers to work collaboratively with patients and employers to provide a high standard of health care at a price that is affordable and on government to reform the health care system in order to both increase the quality of care and lower costs. Now of course this is exactly what we all want to see but if it were that simple why is the health care system in such a mess today and why are costs soaring instead of falling? The fact is that this is just the latest in a growing list of plans to sort out the health care system and is pie in the sky. Essentially it is little more than a political proposal that is very well written and beautifully presented and will undoubtedly 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 as it is simple does not address real world issues. Health insurance today is very big business and it has very little to do with providing health care and everything to do with earning profits for the insurance companies. Now you can talk to the providers all day long but, unless the government is willing to throw a considerable sum of money at the problem then costs are not going to come down. Anyone who has experienced private medical treatment carried out abroad will know only too well that much of the cost of providing care at home represents profits for the insurance companies and not the cost of providing care. You need only seek major 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 getting that same treatment in the United States. And if you believe that the standard of treatment abroad is not as good as it is in the States then think again because many of the medical facilities in the Far East are staffed by very highly qualified doctors and surgeons and have some of the most up-to-date equipment you will find anywhere in the world. It is all very well to talk about working with the insurance companies to lower costs but the truth of the matter is that it is not in their interests to do so. Costs will remain at their present high levels and indeed will continue to rise until the government itself decides to take over responsibility for the provision of the majority of health care in the United States.
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