A New Health Care Insurance Policy

Some health care insurance companies, are nowadays grateful for their employee’s idea of dropping the client’s policies and cancel the payment for their health care medical expenses, admit recent investigations in health care insurance domain. Since this new policy, many other investigations started targeting all other health insurance companies.

Moreover, another important change in health insurance policy is that, as many Americans accept the idea that, smokers should pay a larger sum of money for their health care insurance. Why? Simple: it is already known the fact that a smoker is more prone to danger than a person who has never smoked in his/her life.And the danger refers to health care medical issues, of course.This is also a way of determining as many people as possible to quit smocking.

Health care insurance programs and medical health care issues have been concerning USA presidential candidates since always. Even Barack Obama the actual president of USA, has in plan to face the health care medical system, and improve it, by taking out all problems that are harming it. His perfect health care program would be the one covering all medical care expenses by the health insurance company. The estimated number of uninsured in USA, points out to 45 million, people who need to face the actual medical care insurance system. A first idea would be that, by raising health care insurance taxes for smokers, then the uninsured would have to pay less, since the smoker’s number is bigger than medical uninsured.

The need for a reformation of health care system is obvious and it is one of the president’s main objectives, because after the economy, medical health care system, and insurance health care policy come second.Barack Obama is fighting to convince employers to determine Americans to share his new health care policy plan. His plan will require larger companies providing insurance to entire nation, and in return they will receive small tax credits for the medical care expenses.
Unfortunately many workers are still depending on their employers regarding health benefits, and the entire system is facing difficulties already. The numbers are concerning: 62.9{f19aa3268e0de58f68955454d58a1a58d35e804fdb04b2f57dd6dc7aad4ec259} of Americans under the age 65 had “employer-based” coverage during 2007, falling from 68.3{f19aa3268e0de58f68955454d58a1a58d35e804fdb04b2f57dd6dc7aad4ec259} during 2000. This indicates that instead of an improved situation in health care system, the evolution was tragical, meaning that thing have been getting worse and worse for the past 7 years.

Experts and qualified persons, do not sympathise much the idea of eliminating the fee advantage for “employer-based” coverage which would only oblige younger workers to abandon their office plans. In this case, medical costs for the remaining employers would surely skyrocket. So it seems that MCCain’s idea could do more damage than good to the entire health care system.
On the other hand Barack Obama’s approach is extremely different. As said previously, the president wants to establish larger companies to provide “meaningful coverage” for their clients. In case they do not provide health care insurance, they would have no other option but to subsidize the entire cost of a national plan.