With the US Presidential race in full swing it is no surprise to discover that health care and health insurance is towards the top of the agenda and, for many people, the possibility of finding an answer to the problem of getting cheap insurance cover for those with pre-existing conditions may make Hillary Clinton's plan an attractive option. But will it work? Like most proposals it sounds great and promises to offer a range of new options for individuals who currently have insurance coverage and also for the forty-seven million Americans who are currently without any form of health insurance coverage. In addition, it promises to reduce your premiums and give you greater security of cover. For people with pre-existing conditions it also promises to "end discrimination based on pre-existing conditions or expectations of illness". This new plan to solve America's health insurance requirements 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 upon government to reform the health care system in order to both improve the quality of care and decrease 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 decreasing? The truth is that this is just the latest in a growing list of plans to reform the health care system and is pie in the sky. In fact it is nothing more than a political plan that is very well written and beautifully presented and will undoubtedly to a certain extent achieve its objective, which is simply to drum up votes. However, it will not do anything to improve the health care system as it is simple unworkable. Today health insurance is big business and it has little to do with providing health care and a great deal to do with earning money for the insurance companies. Now you can talk to the providers all you like however, unless the US government is willing to throw a considerable sum of money at the problem then costs are not going to come down. Anybody who has experience of private medical care carried out abroad will know very well that a large portion 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 medical treatment in any of the wonderful hospitals in the Far East to know that you can get the highest quality of care at a mere fraction of the cost of providing that same care in the US. And if you think that the standard of care abroad is not as good as that in the United States then think again because a substantial number of the hospitals throughout the Far East today are staffed by highly qualified surgeons and doctors 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 bring costs down but the truth 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 rise until the government itself decides to take over the responsibility for the provision of the majority of health care in the US.
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