...Sen. Barack Obama, a Democrat, would create a National Health Insurance Exchange for any individual and business that wants to purchase a private insurance plan or enroll in a new public plan. Subsidies would be provided to families with lower incomes to help make insurance affordable. 

While still giving workers the option of retaining their employer-based coverage, Republican candidate John McCain would make tax credits available to help them obtain their own insurance. He also wants to allow people to purchase health insurance across state lines.

Dr. Len Nichols, director of the Health Policy Program at the New America Foundation, said the Obama proposal would be more likely to succeed in Congress than either Mr. McCain's plan or a single-payer proposal...LINK