Obama keeps changing his plans, so they can't be summarized.
At one point, he said he simply wanted to force each American to buy insurance. (Proof that Obama really doesn't think before opening his mouth. He is easily swayed by a *decent* argument and latches onto it until someone else makes a decent argument against it!!! Obama certainly is a Agent of change! He changes his mind about important topics as often as the weather changes in Chicago!)
THE FACTS ABOUT THE MCCAIN HEALTH CARE PLAN
***** Barack Obama And Joe Biden Have Consistently Lied To Americans About John McCain's Plan. Their claims have failed every fact-check. John McCain is not going to raise taxes on middle class families. Barack Obama and Joe Biden are the only ones in this race that plan to raise taxes.
***** Transforming The Tax Code To Create Greater Equity: The McCain plan transforms the current tax code to provide all American families - including the self-employed and the uninsured - the same tax benefit, a $5,000 refundable tax credit ($2,500 for individuals) that was previously only available to those with employer coverage. Families can use this credit to purchase insurance of their choice, including keeping their current coverage.
***** Better Than "Members of Congress": Under the McCain Plan, your employer can provide you with health insurance as good as a "Member of Congress", and you would pay no more in taxes - regardless of your tax bracket. In fact, you would have some additional money left over from the McCain tax credit to put in a health savings account.
***** Where Is The Middle-Class "Tax Increase"? If you or your family is in the 28% bracket, with an income of $180,000, you could receive employer provided health insurance even better than a Member of Congress, with a cost of almost $18,000, with no increase in taxes. Even the liberal leaning Tax Policy Center, agrees that the McCain proposals will result in a "net tax benefit" of more than $1,200 for an average tax payer.
***** Helping Those Without Employer Coverage: If you are a middle-class American today without employer provided health care, the McCain plan would give you a tax credit of $2,500 as an individual, or $5,000 for a family, to help you buy your own health insurance coverage, including across state lines. American families - not government bureaucrats or insurance companies - will choose the coverage that best meets their needs. Today, the government does nothing to help you. Why does Barack Obama oppose this?
***** McCain Health Plan Puts Families In Charge: In another desperate attack, Barack Obama and Joe Biden have said that McCain health care tax credits to help families buy coverage "will go straight to the insurance company." Here is what they fail to mention - the credit goes to the insurance company that the American family chooses to get coverage from, anywhere in the nation. The power of choice lies with the family - not government bureaucrats or insurance companies
***** McCain Health Care Plan Gives American Families More Choices: John McCain believes that American families should be given more choices by allowing them to purchase policies across state lines. The Obama campaign used this as an opportunity to falsely accuse John McCain of deregulating health care markets akin to Wall Street. A recent study showed that simply allowing Americans to purchase across state lines would reduce the number of uninsured by almost 12 million.
***** McCain Health Care Plan Preserves Employer Coverage: The McCain health plan builds on the employer-based system. Employers will have the same incentive to provide health insurance as they do today since they will continue to deduct the cost of health insurance they provide to employees. Nothing will change. The McCain plan through comprehensive cost-containment policies addresses the single biggest threat to employer coverage - rising costs.
THE TRUTH ABOUT THE OBAMA HEALTH CARE PLAN
***** Barack Obama's Plan Continues The Push Toward Government-Run Healthcare: The Obama plan will create a brand new government-run health plan at the cost of $243 billion a year - a financial burden of more than $3,000 a year on American families.
***** Barack Obama's Plan Will Harm Employer Coverage: The Obama plan includes a $179 billion a year employer mandate. The mandate requires employers to either provide "meaningful" coverage or pay a tax towards the government plan. Faced with tough economic conditions and rising health costs this creates a clear incentive for employers to drop coverage and move families into the new government plan.
How I explain McCain's Health Care Plan: Even when I was supporting Hillary, I preferred McCain's health care plan. This is why:
McCain's health care plan (a tax credit up to $5,000 for health insurance premiums) will actually help lower health insurance costs for everyone.
It makes health insurance affordable to everyone immediately
