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    Debate: Obama, McCain Talk Health Care

    Experts Analyze the Candidates' Comments for Accuracy

    Charges, Countercharges

    Obama criticized McCain's plan to give $5,000 tax credits to families to help them purchase health insurance in exchange for taxing their employer-provided health benefits as income.

    "So what one hand giveth, the other hand taketh away," he said.

    The Democratic nominee repeated several familiar themes from campaign speeches, noting that people who are happy with their employer-provided health plans will be able to keep them under his proposal and that people without health insurance "will be able to buy the same kind of insurance that Sen. McCain and I enjoy as federal employees."

    McCain said under his plan "95% of the American people will have increased funds to go out and buy the insurance of their choice and shop around."

    The exceptions, he said, are people who have what he called "gold-plated Cadillac plans" that cover things like hair transplants.

    Health Policy Experts Weigh In

    What did insiders think of Tuesday night's exchanges between Obama and McCain on health care?

    WebMD asked two of them for their thoughts: Karen Davis, who is president of the nonprofit Commonwealth Fund, which supports research on health care policy, and Robert Laszewski, who writes the health policy blog Health Care Policy and Marketplace Review.

    Davis tells WebMD that the candidates provided far more details about their respective health plans than they had in the first debate.

    She was also pleased to hear McCain call access to affordable health care "a government responsibility."

    "I had never heard him say that before," she says.

    Davis was also gratified that both candidates considered health care reform to be a major priority.

    But she says both were guilty of misrepresenting at least some aspects of the other's plan.

    She called McCain's contention that Obama's plan will lead to fines for small businesses misleading.

    "Sen. Obama made it clear that his plan doesn't fine small business," she says. "In fact, it pays half their premiums."

    Also misleading, she says, was Obama's charge that families would pay more under McCain's plan to provide individual tax credits while taxing benefits from employer plans.

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