Obama goes into his universal health care initiative, which he says will not exclude pre-existing condition patients and wll reduce costs.

McCain attacks Obama’s plan for penalizing small business owners who don’t get health care. Obama refutes by saying 50 percent credit will be given to small business owners for providing for employees, and small businesses will be exempt from penalties.

McCain attacks by continuing to address “Joe the Plumber” who is starting his own business. He says he will give people the ability to choose coverage instead of Obama who will “let government choose”. We can’t afford that, he says.

Obama refutes by saying that he just wants to lower costs, invoking the Chamber of Commerce.

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