Anyone who has a health insurance policy with a lifetime maximum benefit attached to it knows that this can be a real problem. Sure if you remain healthy, you will surely not meet the maximum benefits but one large illness and you will be surprised how quickly you hit that $500,000 or $1,000,000 maximum benefit amount and after that you are stuck paying for everything. It is a horrible thing to do to someone when they are in need but the health insurance companies aren't worried about you just their pocket books.

Realizing the risk that these lifetime maximum health insurance policies could have on policy holders gave the government a policy elimination platform to stop companies from promoting and writing these policies. This would seem like a caring and protective move by the government, but hold off on deciding if this is really a good move until you have all the facts.

The Federal Government is dictating to the insurance companies to eliminate this lifetime maximum option in your policy. In order to cover the additional health care cost of these policy holders, the cost of their policy will experience a significant increase in premium amounts the following year. This is the trade off to the insurance company in exchange for the government's insistence to eliminate the lifetime maximum cap, if you are currently enrolled in one such health care insurance plan.

The government is speculating that overall this change will even out and be good for everyone involved. This is just the beginning of government mandated changes in health care insurance coverage that will affect the pocket of every American, who has no ideal where the increase in premium costs will level out at.

This government plan in theory, will be good for every ones health care. What is still unclear, is the answer to the question; who is going to pay of all these new changes? The American middle class is already paying the bulk of their own health insurance costs. It is already a known fact, that the elderly and the young won't be bothered with any rate increases, so that would throw the extra cost over onto the already burdened middle class adults and fuel the already hot health care debate.