It's not easy for ordinary voters to understand what really Barack Obama and John McCain have promised to offer in their health plans when selected as President.

The Republican presidential nominee John McCain would offer tax credits of $2,500 for an individual and $5,000 for a family. But this credit is only available for purchasing private health insurance and would go to insurance companies’ accounts. And no penny would go to any voter's pocket.  

The worse part of McCain’s offer is according to an analyst that although the tax credit is supposed to help, it actually would make it harder for low-income people to get insured. The analyst said one family needs to pay $3,400 plus the deductible before anyone can benefit from the health insurance plan and predicted more people would lose insurance under McCain’s health plan.

By contrast, Barack Obama would provide subsidies for low-income Americans to help them purchase a minimal coverage.   His plan requires all children have health insurance, but not adult Americans. Analysts said under Obama's health plan more Americans would actually purchase insurance.   Obama’s plan would also require any insurance plan to cover the minimal benefits while John McCain’s would not.

A survey found more Americans think Obama's plan would give them more benefits than McCain's.