With the Presidential Election in full swing it is no surprise to see that health care and in particular health insurance is high on the agenda and, for many of us, the possibility of finding a solution for the problem of cheap insurance coverage for people with pre-existing conditions may make Senator Clinton's proposal an attractive option. But is it likely to work?
Like the majority of proposals it sounds wonderful and promises to offer new options for those who presently have health insurance and also for the 47 million Americans who are presently without any form of insurance. In addition, it promises to lower your premiums and provide you with better security of cover. For individuals with pre-existing conditions it promises to "end discrimination based on pre-existing conditions or expectations of illness".
This plan to meet America's health insurance requirements calls upon providers to work collaboratively with employers and patients to provide a high quality of health care at a price which is affordable and also calls on government to reform the health care system in order to both increase the quality of care and decrease costs.
Now of course this is just what everyone wants to see but if it was that easy why is the health care system in such a mess today and why are costs increasing instead of decreasing?
The simple truth is that this is just the latest in a long list of proposals to reform the health insurance system and is nothing more than pie in the sky. In reality it is nothing more than a political plan which is very well written and excellently presented and will undoubtedly to some extent meet its objective, which is simply to drum up votes. However, it will not do anything to improve the health care system because it is simple does not address real world issues.
Today health care is very big business and it has very little to do with providing health care and a great deal to do with earning money for the insurers. Now you can of course talk to the providers all day long however, unless the government is going to throw money at the problem then costs are going to continue rising.
Anyone who has experienced private medical care carried out abroad will know very well that much of the cost of providing care in the US represents profits for the insurance companies and not the cost of providing care. You need only seek major medical treatment in any of the wonderful hospitals in the Far East for example to realize that you can obtain the very highest quality of care at a mere fraction of the cost of providing that same care in the US. And if you believe that the quality 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 today are staffed by very 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 truth of the matter is that it is far from being in their interests to do so. Costs will remain at their present high levels and indeed will continue to increase until the government itself decides to take over responsibility for the provision of the mainstay of health care in the US.
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