Obama isn't really proposing gov't run healthcare. No one is even required to participate (unlike Clinton's and Edward's plans). If you have insurance you like, you can keep it. But if you don't have insurance, it will be made available to you. And you can not be turned away for pre-existing conditions. Everyone will have the opportunity to buy into a health insurance plan like all federal employees have. If you can't afford it, likely unemployed, you will recieve a gov't subsidy. But employers will be required to offer coverage, and then they will recieve the subsidy.
McCain's plan shakes things up a bit more. As it stands now, employer offered insurance isn't taxed for the value of the benefit. If you are self employed you also aren't taxed for the full value of the benefit. But if you are not self employed and buy your own insurance you don't get any tax break. What McCain will do is tax everyone's health care benefit, no matter how they recieve it, then turn around and give every family a $5000 tax credit. This will supposedly make insurance more affordable. Unfortunately the average cost to insure a family right now is $13,000. So that needs to be worked out a little better. Also I haven't heard anything about adjusting for inflation; health care costs traditionally rise faster than the rate of inflation.
I'm not saying which plan is better, I'm just trying to (quite simply) clarify each proposal.
