There is a fundamental difference between Obama's McCain's Healthcare plans. McCain uses proven economic fundamentals as his basis for his policies: The consumer or taxpayer is best able to determine what level of healthcare insurance they need. Not some government bureaucrat!
From The American:
One economically smart policy option that has been gaining traction in the last few years is “consumer-driven” healthcare, which channels health money into the hands of patients and then requires them to make correspondingly higher copayments. The economic principle is that a system of low copays, in which most of the cost is detached from how much care the patient uses, has encouraged patients to consume more care than they actually need. With higher fees, coming from their own pockets, patients will be less likely to over-consume care—and the system as a whole will function more efficiently.