Make A New Plan Stan

While it's exciting to think that the new Obama administration poised to take power will make much needed changes in the health care system, this will likely not be the case. It simply can't be the case for a variety of reasons, not the least of which is that fact that the economy is in so much trouble right now; if it is not dealt with, then nothing else will be, due to lack of funding.

Health insurance quotes will not change that much and neither will health insurance rates. This is because health insurance plans are predicated on what a private health care insurance company chooses to sell to its customers and what rates it picks. While there is government regulation in Medicare and Medicaid, private insurers are able to swing their own deals.

What is likely to happen is that the new administration will make smaller "around the fringes of health care" kind of changes. Things that look like they are moving forward, but do not address the major underlying issues of the deeply in debt American health care system.

The changes will be driven by the winds of compromise from the new administration thanks to the way the election delivered back its representatives. The House will unite on some issues and they will be bipartisan in nature, presenting a united front to the nation. What better place to start than the State Child's Health Insurance Plan (SCHIP).?

The idea behind SCHIP (created in 1997) is to give funds to the states to provide affordable health insurance to families with children. This program is intended to cover uninsured children in families whose income is too low, but yet too high to qualify for Medicaid. Senator Ted Kennedy, Senator Orrin Hatch and First Lady Hillary Clinton backed SCHIP.

The timing for change is perfect and the passage of this stalled legislation would signal change coming. Along with this likely nod to the future of dealing with the country's health care problems, would come overtures to do something about making medical assistance for the poor more understandable and accessible. Something that would make health insurance quotes make sense to those who are not able to afford much.

There are an estimated 11 million poor who are eligible for Medicaid and who are not on it. That is a scary statistic in today's economic climate with the trend edging toward more social responsibility, not less. The change in administration may see health insurance plans finally start making sense to everyone, and not just those who are able to afford it.

The honest to goodness bottom line in this whole piece is that unless the economy is dealt with, there will not be any funds to do anything about making changes to health care. So for now, it's highly likely that the small changes will just be the tip of the coming iceberg until the economy is wrestled to the ground. So, don't expect changes overnight.

By: C. Green

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Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit www.benepath.com.