According to my husband, we'll actually benefit more from McCain's plan than from Obama's.
Your husband is obviously a smart man because his calculations are correct. McCain is proposing a tax credit to replace the tax break. In virtually all situations, the credit will be more of a financial benefit than the current tax break.
Additionally, the tax credit will be available to everyone regardless of whether or not they obtain their insurance through their employer. This plan is a BIG benefit to very small employers who are unable to obtain equitable insurance. Their employees are usually forced to obtain insurance through their own initiative and McCain's tax credit will now be available to them whereas the current tax break is not available to them.
McCain's Healthcare plan is very detailed and has been created with much thought and consideration. I think on many levels it is rather complicated and difficult to explain with a few "bullet points." However, it is much more realistic than Obama's plan and, while it may not be perfect, I think it goes a long way in providing the beginning of healthcare reform.
McCain's plan will not destroy or harm our current healthcare system and this is a big plus.