Whether it's in the ads, the debates, or in campaign speeches, today's presidential hopefuls say they're going to "tell you the truth" about their opponents.

But when it comes to the individual health insurance market, that may or may not apply.

While Obama claims that McCain's medical insurance plan would force consumers to navigate an expensive and complicated individual health insurance market, McCain promises that Obama's plan would lead to a health care system about as efficient and enjoyable as a trip to the DMV.

Meanwhile, in the midst of all this name-calling and conjecture, MSN Health finds that today's employers are offering health care plans that neither doctors nor patients understand, leading to millions of under-insured people.

It's true that the individual health insurance market is currently more expensive than the group insurance market - after all, in a group plan an insurance agency will likely make more money, since not everyone will get sick.

But with the rising costs of health care it's clear that group health insurance plans may be on their way out, and in that case, someone will need to help consumers make smart decisions about individual health insurance coverage, like what type of coverage is best, what it should cover, and how much your deductible should be.

And right now neither doctors, nor insurance agents, nor politicians appear to be in a position to fill that role.