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With all of the debate regarding health care from presidential hopefuls, it seems strange that the elephant in the room should be Medicare.

But according to Kaiser's Daily Health Report, that's exactly the case. As it's reported in the article, Clinton and Obama have highlighted their proposals to expand health insurance to more U.S. residents, but they have said "little" about the "more immediate challenge" of "how to tame the soaring costs of Medicare and Medicaid."

With record numbers of baby boomers set to become eligible for Medicare in the next 10 years, the costs of providing them with the health plan they've been prepared to depend upon could put a serious wrench in either of the universal health care plans proposed by Clinton and Obama.

And Republic nominee John McCain has called Medicare a "fiscal train wreck" insinuating that his approach to nationwide subsidized health care would be to cut costs.

Regardless of who wins, it would be smart for all seniors who can afford Medicare supplemental insurance to have some on hand. Whether it's a new universal health plan, or health care budget cuts, Medicare is likely in for some changes in the coming years.