The AP published a great story today—a profile of a married couple named Mike and Sharon O'Malley. At 55, he would receive full Medicare benefits under the Ryan/Romney plan. At 53, she would be one of the first senior citizens to use the new plan, a complicated mixture of vouchers and a scaled-down version of Medicare.

"So I'm covered," Mike O'Malley says, adding that Ryan's proposal is "a catalyst for thought."

But Sharon, in the new program, would have decisions to make. Whichever way she chooses, eventually she might have to pay more for health insurance than Mike, if costs grow faster than the amount the government provides.

"I'm going to be the one who's not going to have the health care," Sharon O'Malley said. "It makes you nervous when you pay all this money into the system and it won't be there when you need it."

Go read it all. It's a simple, effective illustration of the problems with Paul Ryan's plan.