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The best case scenario would be if Clinton gets elected, but its doubtful she will push hard for her plan. The soonest we can expect to see any significant reform (aside from throwing a bone to veterans and children) will be 6 to 8 years at best.
Neither Clinton or Obama will do anything substantive their first term in office. They may throw out a few tax credits and widen eligibility for children and some poor parents (yes, you're still screwed if you're an adult with no dependent children) and add some money for veterans. But because neither is likely to get us out of Iraq any time soon, there will be no money to pay for true reform.
They may offer a package of tax credits to help buy private health insurance sometime in the first 2 or 3 years, but the insurance companies will take all of that by raising their premiums to match your tax credit. In the end it will still be expensive to you and will cause the cost of the program to balloon, giving GOP'ers and excuse to cut it. Tax credits for health insurance are just another form of corporate welfare.
C & O are also highly unlikely to enact any regulations they've promised, e.g. forcing insurance companies to cover everyone regardless of pre-existing conditions. They will face opposition from the very people who are now funding their campaigns. Its highly unlikely they will do anyting beyond passing some kind of bill that sounds good, but will have no enforcement or penalties. So when you go to hold your insurance company accountable for refusing to cover you, you'll find there only penalty is a small fine or less.
Edwards leaving the race also gives a green light to states to begin experimenting with their own Frankenstein health care reform proposals. Make no mistake there's a lot of campaign cash to be picked up for enacting more health insuranc company welfare (tax credits for crappy coverage with no cap on ever rising premiums). If you live in a GOP controlled state, you'll be in for a lot of proposals for "insurance lite" or association health plans (AHP's). Your employer will buy one for you and make you help pay for it, but when it comes time to use it, you'll find it covers very, very little.
Best bet is to lock into a real health care plan now and save your money to cover COBRA costs if you lose your job, your employer drops your coverage, etc. If you can't do that, do some research and learn how the "charity care" system is supposed to work in your state and take advantage of that. Get to know your state Dept of Insurance and how to file complaints when your insurance company starts trying to cover less or reject your claims.
And pray for 2012, when we may next have a shot at real health care reform. Sorry that's the best forecast I can offer. Clinton and/or Obama will NOT rock the boat if elected and they'll only go through the motions of health care reform.
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