1st Presidential Debate

I've been watching it on youtube here: http://www.youtube.com/watch?v=F-nNIEduEOw I'm trying to be unbiased - which is easy, since I haven't investigated much into either candidates platform, so I'm genuinely eager to hear their opinions.

At 20:00 in, John McCain says "I want to provide a tax break of $5,000 so every American family can buy their own health care..." That scares me - does he want to set the precedent that the individual buys his health care, not the business or government?

I checked with Kaiser recently, when my business changed their health plan and I was suddenly faced with many more expensive options. I found the cheapest plan they had available for my standard-sized (or even small) family of four cost over $10,000 per year. Note that's the cheapest available kaiser plan, and that's just to enroll. Of course I'd still pay more than that every time I visited, or needed drugs, or had any procedures - it's not 100% coverage with no deductible.

That $5k won't help me care for my 3 dependants. Furthermore it would only be a change for people right now - in future years, new employees won't have a before/after picture to see a $5k tax break. They will just start new jobs at new salaries, where businesses are not concerned about their health, and they'll have 100% of the burden on them immediately.