Defective Model

There is way too much focus on insurance coverage here, and not what that actually means for the patient. I think I only heard the word "deductible" once. Across the board, the more affordable a premium is, the less services are covered, "choice" of physician/hospital/clinic decline, and the higher the deductible.

So yes, maybe McCain's plan will stir up competition to get premiums down to the $2,500 tax rebate level, but deductibles will soar as well to around $2000 or more - with total costs essentially more than the average premium today.