Sharply different philosophies are at the core of the three major Presidential candidates' potential solutions for how Americans should get and pay for their healthcare. Each is reacting to a host of problems that are driving up costs for businesses and consumers, including a 78% jump in insurance premiums since 2002, a Medicare system heading for red ink as baby boomers age, and a shrinking percentage of employers offering coverage. Those factors, combined with the growing number of uninsured, have created a public appetite for healthcare reform.