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With election day a mere two months away, small business owners and their employees wait patiently for more concrete details of how imminent healthcare reforms may impact their finances.

Both political parties plan to tender tax credits, intending to mitigate the ensuing expenses of health insurance plans for employers and employees of small businesses.

Sen. McCain quantifies his plan by offering tax credits of "up to $5000.00 for a family of four" enabling employees to choose and purchase their own health insurance plans while keeping health insurance as a product on the market. This removes the cost burden from the small business owner and provides potential relief for families to purchase health insurance plans of their choice.

Sen. Obama plans to provide small businesses with tax refunds of "up to 50 percent on health insurance premiums" paid for the benefit of employees. According to The Wall Street Journal, he'll "initiate a national "exchange" -- a pooling system where small companies can spread risk across the pool like big businesses do among their employee base." The goal being to acquire health insurance premiums at dramatically reduced rates.

Both plans seem to beg the question, "Will health insurance hereafter really be more accessible--not just for small businesses but for everyone?"