The 2012 election is filled with candidates from the Democratic Party, the Republican Party, as well as the Tea Party and those who are not affiliated with any specific party. They all have their top priorities of what they believe to be best for the American public and they all have a stance on healthcare. The health insurance rates that the country sees after the election, however, may not be what they are today.

Health insurance rates is one of the most commonly talked about points when candidates are interviewed. Some wish to continue on with the Affordable Care Act that was put into place in 2010 while others want to repeal it in order to put something "more effective" into place. What this means for Americans could either mean policies that are more affordable or completely too expensive to be able to readily afford.

There are several candidates who wish to take health insurance out of the hands of the national government and let each state be responsible for their own. What this would mean is that all Medicare and Medicaid would go away, the finances for the nation would improve, but then the state would be left to their own devices. This could be good or bad. We may see a lot of people moving to states that have better programs based upon their own personal needs.

There are many candidates that may take part in the 2012 election that also don't believe in a government funded healthcare system. This means that the dreams that many have about becoming the next Canada or England will be shot down very quickly. It will also mean that those who depend on that government assist to get medical treatment will be left to their own devices. This could end up making things more affordable for those who can afford policies, however.

It may be too soon to tell how the health insurance rates will be affected until the running candidates are announced. They all have their own prerogative about what they believe is the best method for the healthcare system in the country. Unless Obama stays as the president, however, the Affordable Care act may be in question. This act is requiring insurance companies to be more responsible for their premiums, hospitals to offer better care and many other ways that may lead to lower premiums. The majority of these things aren't scheduled until 2014 - something we may never see depending on the direction of the US Presidential Election in 2012.

For those who already have health insurance provided by their employer, they may be the only ones who won't be affected. Everyone else needs to simply wait.