The Essence of McCain's Health Plan: Don't Get Sick
- If your insurance doesn't cover necessary services or if it has onerous deductiles and co-payments, you could still be in a lot of trouble. A sudden medical calamity, whether it's severe injuries from an accident or a heart attack or the detection of cancer, could leave you exposed to financial ruin. A chronic disease like diabetes could force you to make choices between, say, paying your mortgage and paying for the ongoing treatments that will keep you healthy.None of this is hypothetical. According to a recent report from the Commonwealth Fund, an additional 25 million "underinsured" Americans--or nearly half the number of the uninsured--face precisely these sorts of situations.