A new study suggests parents choose to insure themselves through employer sponsored health insurance programs -- but don't insure their children, mostly because they can't afford it. More than nine million children in the United States lack health insurance. Here's what Obama and McCain say about that.

Many children don't have health insurance, even if their parents do, according to a new study published in "The Journal of the American Medical Association."

Here are some facts:

•Kids with parents who have public health coverage are 36% less likely to be uninsured than children whose parents had private insurance.

•More than one million children had no coverage for the entire year, and three million children had some lack of coverage despite having one parent with full coverage.

Here's what the Presidential candidates plan to do about your family's health:

Senator Barack Obama's plan:

•Mandatory insurance plans for children.

•People can choose their own doctor without government interference, instead of letting insurance companies pick and choose whom they will cover.

•Insurance companies must cover pre-existing health conditions so everyone -- regardless of their health status or history -- can receive good benefits at an affordable price.

•Lowers drug costs by using safe medicines from other developed countries and increasing use of generic drugs.

Senator John McCain's plan:

•Opposes mandatory healthcare insurance plans.

•People will have the option of employer-based coverage, or receive a direct refundable tax credit ($2,500 for individuals and $5,000 for families) to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best, however the insurance company will still have final say over who they cover.

•Uses safe medicine from developed countries and increases the use of generic drugs.

•Insurance companies will cover smoking cessation programs.

•Seniors will get a monthly stipend to hire workers and purchase care-related services. They can also designate relatives or friends to help manage their health care.

•Allows every American to keep their health insurance as they move from job to job or job to home.

To find the best insurance plan in your area, visit: ehealthinsurance.