The Obama camp says that McCain's health plan would erode employer-based health insurance coverage because younger, healthier workers would opt out and go to an individual insurer. Why would they do that? Why wouldn't they just use that money to cover their share of the company sponsored insurance? If they did opt out of the company insurance why would the company care? The increase due to insuring older workers would be offset by having to insure fewer employees. For the uninsured worker, the credit gives them freedom of choice. It is the Obama plan that poses danger to our health care system. Small businesses that cannot afford insurance are going to be forced to provide it through "donations" (Wow! We now "donate" instead of paying taxes) to a pool, and the workers will be given the same Cadillac plan congress gets. That will spell the end of competitive health care, the real goal of the socialists, as everyone will drop their current coverage for the "congress" plan. Once that happens, Papa Obama, Aunt Pelosi and Uncle Reid can raise the "donation" from business at their leisure. Of course many of the workers will then be jobless since their employers (85% of jobs are supplied by small businesses) will have gone under. And don't forget the Hawaiian experiment. About 8 months ago they started providing universal coverage for all children younger than 18. Compassionate, huh? They have now dropped the program because costs skyrocketed when most parents dropped their kids from their private coverage and put them in the state's pocketbook. They simply could not afford it.


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