Your last chart is deceptive. Although McCain allows for a $5000 deduction, he also increases earned income by including the employer amount paid for your health insurance as income.
Uh, no. That is the myth the chart exactly debunks.
McCain does not offer a $5000 deduction (which would reduce taxes by $5000 times your marginal tax rate). Instead, he offer a $5000 credit.... that is a direct $5000 reduction in the taxes you owe.
What the chart correctly shows is that if you work for a generous big corporation and get $12,000 in employer-paid insurance, your income tax bill increases by $3,000 (assuming the 25% marginal tax rate), offset by the $5000 tax credit, for a net additional $2000 after-tax income.
If you work for a small business that pays a small fraction of your health coverage (say $250/month), you income tax increases by $750 ($250/mt x 12mts x 25%) offset by the $5000 credit, which is an additional $4250 after-tax income.
If you are self-employed or your employer doesn't pay for health insurance, it's an additional $5000 directly in your pocket
McCain replaces a small, discriminatory deduction with a much larger credit, and gives you more choice and control. Obama throws crumbs at you while keeping you more dependent on your employer's "company store" and on the government. It's really a no-brainer.