How will Reform Change Private Health Care Plans?

Until Congress passes a government health insurance program, no one knows exactly how private health care plans will be changed. The majority of health insurance provided in the United States is through single-payer employer sponsored plans. The indication based on the legislative efforts of Congress is that this system will not be replaced.  What may change private health care plans are requirements such as pre-existing condition exclusions and caps on deductibles and out-of-pocket expenses.

Speculation on Reform

There has been much speculation and charged rhetoric on both sides of the issue regarding health care and health insurance in this country. Much of the rhetoric has been based on misinformation or speculation that is not routed in any plan that has been passed. On this basis, it can be somewhat premature and speculative to assume what changes will be made until a final plan is presented to Congress for consideration.

Net Outcomes of Reform

Reform should have the effect of decreasing the number of uninsured Americans from 45 million to about 12 million. The aim of health care reform is to ensure that individuals not go bankrupt for being sick or lose their jobs or homes as a result of the rising cost of treatment for certain illness. These goals seem to be net outcomes of any legislation that will make its way to the President’s desk.

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