WASHINGTON It isnt streamlined, it isnt logical, but Americas cobbled-together system of paying for medical care does cover 85 percent of the population. And despite the chorus of pleas for a sweeping redesign of America's medical insurance system as the 2008 presidential race heats up, a top-to-bottom makeover seems less likely than a series of reforms that aims to fill in gaps in coverage.

Whether the new president is a Republican or a Democrat, a redesign will be difficult to pull off . Insurance companies, pharmaceutical firms and medical device makers , all of whom have a vested interest in averting radical change, are big campaign contributors and are strongly represented by lobbyists in Washington.

That helps explain Congress’ reluctance to do more than tinker with a system that left an estimated 44 million Americans without health insurance last year.

Is universal health insurance on the horizon? - Politics - MSNBC.com

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