Op-Ed: Medical Insurance Will Likely Remain Status Quo No Matter Who Becomes President

Posted Sep 18, 2008 by KJ Mullins
Medical reform in a nation that doesn't have a national health plan is a hot topic during election years. The United States have few health plans in place for those on the edge of poverty. Most without insurance pray that an illness doesn't come.
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To be covered most Americans pay out of their own pockets for medical insurance that varies greatly as to what is covered. In the United States the poor have a health plan called Medicaid and the elderly have Medicare, both with limits as to the kind of care one can receive.
Private insurance seems to be a decent principle, unless you have a pre-existing condition. You wouldn't bet on a limping horse in a horse race because you know you will lose. The same applies to those who are already sick, insurance companies aren't in the market to lose money.
The cost to insure an average family of four is $12,000 a year. Many families simply don't have the money to afford that cost. They go without and hope that an illness isn't around the corner taking aim to knock them out.
The truth is those without medical coverage generally aren't in as good shape as those with it. If you have to spend $100 a pop to see the doctor well care visits aren't going to happen. The doctor visits are only for the times in which you are very sick, otherwise you tough it out and hope you're doing the right thing.
Both candidates have a plan. Both will increase the amount of paperwork for doctors.
Obama's plan is to create a taxpayer-funded national health insurance program like the ones in Congress already have. Those who can't afford the plan but make too much income for Medicaid will be given subsidy to buy into the plan or private insurance.
McCain's plan will give tax credits of $2,500 for individuals and $5,000 for families to buy their own insurance plan. He doesn't have a national insurance plan.
Neither candidate's plan will cover everyone. The working poor will most likely remain uncovered.
The chances that the United States medical insurance system will change is unlikely. The costs to keep it out of government control are simply too high for those working pay check to pay check to afford an additional hit to the pocketbook. The is no light at the end of the tunnel for them. Will there ever be?