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The Baltimore Sun

How workable are the presidential candidates' health reform plans? The strategies of Sen. John McCain, a Republican, and Sen. Barack Obama, a Democrat, are different in their approaches to solving problems and their potential effects on voters. To choose wisely, you have to do some homework. To help, here are summaries of their proposals, health care statistics, and online resources that provide more information and analyze how well those proposals might work.

John McCain would ...

* Eliminate current tax exclusion for employer-paid health insurance.

* Provide refundable tax credits of $2,500 for individuals or $5,000 for families for everyone who obtains private health insurance - employed or not. If insurance costs less than the value of the credit, the remaining funds could be deposited in a health savings account.

* Provide a variety of insurance choices, national and across state lines, that would not be dependent on a job.

* Work with state governors to increase insurance pools for people uninsurable on the individual market.

* Deregulate insurance markets, allowing insurers to sell across state lines. People could buy less costly, less comprehensive policies in states with fewer mandates.

* Pass medical malpractice reform.

For more details about McCain's

full plan, go to


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