Health care reform has been on the political backburner since the 1990's. During the recent Democratic primaries, candidate Hillary Clinton tried to revive the issue. She wanted to take money from the people making out well (referring to the insurance companies) and use it to fund health care reform.

There is a slight flaw in her idea. The health insurance industry is not doing as well as she made out. Some of the major companies are announcing job cuts and are seeing their stock prices drop by 50% or more.

The main problem is the exploding costs of health care. The premiums that consumers are paying for health coverage are just not sufficient to fund the enormous payouts required for regular medical coverage.

For example, a newly married couple would likely pay around $600 in premiums each month. Once pregnancy could cost the insurance company around $15,000 - if there are no complications. Any problems along the way and the costs rise even more. The investment by bye couple could never justify the payout.

The only thing that insurance companies can do is raise premiums even higher and cut coverage. Instead of just going along with the status quo, many consumers are choosing to go with alternative coverage and drop their traditional health insurance policies. Some consumers are just forgoing insurance altogether.

Private consumers are not the only ones getting out of the health insurance system. Some employers are finding the rising premium costs too much for their bottom line. They are choosing to drop coverage for their employees.

There has to be way to improve the health insurance system and to increase the quality of the medical industry along the way. Taking from companies like the insurance companies that are already struggling will not be the answer to the situation.