Even if McCain gave each of us $5000, here's why you won't want to take it: employer-provided health care is better. Why? Because your premiums are based on the entire group. It's not based on each individual. What's the first question an insurance company asks when you request a quote for a new car or home insurance? They ask how many claims have you made in the last few years, right? Now imagine if your employer can provide you with group-based car insurance, don't you think you'll be paying less?
If you take McCain's health care, you better be ready to limit your trips to the doctor.