The Candidates’ Health Plan

The nation’s health care system is desperately in need of reform — as far too many Americans know from grim, personal experience. In this election, Barack Obama and John McCain are offering starkly different ideas for how to fix that system.

People can’t carry their insurance from one job to another, limiting their mobility. Outside the workplace, it is hard to find affordable insurance.

THE OBAMA PLAN Mr. Obama would do far more than his opponent to address the nation’s shameful failure to provide health coverage for all citizens. He would require all parents to get coverage for their children and expand Medicaid and the State Children’s Health Insurance Program. He would also require large and midsize companies to offer health insurance to their workers or pay into a kitty to subsidize coverage elsewhere — a provision that Senator McCain castigates as a “fine” but that really is their fair share of the burden.
Mr. Obama says the government would provide subsidies to encourage small employers to offer coverage and to help low-income people buy insurance. This is not a government-run program — as Mr. McCain claims — but it does give the government a much bigger role than it now has by expanding public programs and creating a new national plan.
Mr. Obama would also greatly increase government regulation of the insurance industry. He would require insurance companies to take every applicant and meet a minimum standard of benefits, and he would prevent them from charging higher premiums based on an applicant’s health.

THE MCCAIN PROPOSAL Mr. McCain’s main idea is to change the tax code so that workers would have to pay income taxes on the value of their employer’s contribution to their health insurance. In return, all Americans, whether currently insured or not, would receive a tax credit of $2,500 for an individual or $5,000 for a family to buy health insurance, either through their employer or on the open market.