 At the heart of his plan are tax credits – $2,500 for individuals and $5,000 for families who do not subscribe to or do not have access to health care through their employer.He says the money could be used to purchase insurance and force insurance companies to be competitive with their costs in order to attract consumers.To help people who are denied coverage by insurance companies due to pre-existing conditions, McCain would work with states to create what he calls a "Guaranteed Access Plan".