WASHINGTON, Sept. 15 — Senator Hillary Rodham Clinton on Monday will lay out a plan to secure health insurance for all Americans while severely limiting the ability of insurers to deny coverage or charge higher premiums to people with chronic illnesses and other medical problems, her aides and advisers say.

Mrs. Clinton’s purpose, they said, is not only to cover the 47 million people who are uninsured but to improve the quality of health care and make insurance more affordable for those who already have it.

The goal of Mrs. Clinton’s plan, to be outlined in a speech in Des Moines, is similar to that of the ill-fated plan that she and President Bill Clinton pushed in 1993 and 1994.

But advisers to Mrs. Clinton, a Democrat from New York, said Saturday that she would try to avoid the perception that she was advocating a bureaucratic, big-government solution. That perception, promoted by conservative Republicans and the insurance industry, sank the Clinton plan in 1994.