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A Project of The Annenberg Public Policy Center

Health Care Premium Costs

In last week’s final debate, Sens. John McCain and Barack Obama cited greatly different estimates for the average cost of health insurance, and a number of readers have asked us to sort it out.

Obama: By the way, the average policy costs about $12,000. …
McCain: The average cost of a health care insurance plan in America today is $5,800.

Both candidates were talking about the relative value of the $5,000 tax credit McCain wants to give to families and couples (individuals would get up to $2,500) to purchase health care policies.

ACORN Accusations

Summary
The McCain-Palin campaign accuses ACORN, a community activist group that operates nationwide, of perpetrating "massive voter fraud." It says Obama has “long and deep” ties to the group. We find both claims to be exaggerated. But we also find Obama has understated the extent of his work with the group.

Neither ACORN nor its employees have been found guilty of, or even charged with, casting fraudulent votes. What a McCain-Palin Web ad calls "voter fraud"

Obama’s ‘Welfare’

Summary
The McCain campaign has taken to denigrating some of Obama’s tax proposals as "welfare" rather than tax cuts. And it continues to mislead about who would see a tax increase.

A new McCain-Palin Web ad characterizes Obama’s proposed refundable tax credits as "welfare." But McCain himself proposes refundable tax credits, too, as part of his health care plan, and calls them "reform."
The ad also says "hard-working families" and "seniors" would pay higher taxes.

FactChecking Debate No. 3

Summary
Spin and hype were apparent, once again, at the third and final debate between McCain and Obama:

McCain claimed the liberal group ACORN “is now on the verge of maybe perpetrating one of the greatest frauds in voter history … maybe destroying the fabric of democracy.” In fact, a Republican prosecutor said of the biggest ACORN fraud case to date: “[T]his scheme was not intended to permit illegal voting.” He said $8-an-hour workers turned in made-up voter registration forms rather than doing what ACORN paid them to do.

Obama’s ‘Projector’ Earmark

Q: Did Obama request a $3 million ‘overhead projector,’ as McCain claimed?
A: Obama did seek a $3 million earmark, but it was not for the sort of ‘overhead projector’ commonly found in classrooms or offices. It would have replaced the Adler Planetarium’s projector, last upgraded in 1969.

Health Care Spin

Summary
McCain and Obama have sharply different health care plans, and each has made sharply worded attacks that are either false or misleading. McCain proposes a market-based system that relies on tax incentives, which one Obama ad falsely characterizes as the "largest middle-class tax increase in history." Obama proposes new subsidies to expand private insurance coverage and some expansion of government insurance, which McCain falsely claims "will rob 50 million employees of their health coverage."

‘Lying’ About Being Liberal?

Summary
A McCain-Palin ad claims Obama was rated the "most liberal" U.S. senator, which was true only for 2007 but not for his entire Senate career. He was rated 10th and 16th in his two previous years.
The ad also misquotes Obama. It says he defended himself against the "most liberal" rating by saying "they’re not telling the truth" and "folks are lying." Actually, Obama said McCain and Palin weren’t truthful about the "Bridge to Nowhere,"

The $79 Billion Iraqi Surplus, Reconsidered

We’ve criticized both Barack Obama and Joe Biden several times now for claiming that the U.S. is spending $10 billion a month to Iraq while that nation is sitting on a $79 billion surplus. We wrote that the $79 billion figure was out of date because Iraq had since passed a $22.3 billion supplemental spending bill. Our criticism was based on a report from the Government Accountability Office. But we misread the report. The figure that Obama and Biden use is probably still too high,

‘He Lied’ About Bill Ayers?

Summary
In a TV ad, McCain says Obama “lied” about his association with William Ayers, a former bomb-setting, anti-war radical from the 1960s and ’70s. We find McCain’s claim to be groundless. New details have recently come to light, but nothing Obama said previously has been shown to be false.
In a Web ad and in repeated attacks from the stump, McCain describes the two as associates, and Palin claims they “pal around” together.

The Momentary “No”

The third-party group Committee for Truth in Politics has released an ad accusing Sen. Barack Obama of favoring early release for sexual offenders. We like the group’s name — hey, that’s what we’re all about! But we find it pretty misleading in the case of this ad, which includes a gross oversight on a 1999 vote. The end result is absurdly wrong.
Here’s the script of the ad (we couldn’t find a version of the video that would run properly on our site,