Two weeks ago, the Democratic response to President Bush’s weekly radio address was delivered by a 12-year-old, Graeme Frost. Graeme, who along with his sister received severe brain injuries in a 2004 car crash and continues to need physical therapy, is a beneficiary of the State Children’s Health Insurance Program. Mr. Bush has vetoed a bipartisan bill that would have expanded that program to cover millions of children who would otherwise have been uninsured.

What followed should serve as a teaching moment.

First, some background. The Frosts and their four children are exactly the kind of people S-chip was intended to help: working Americans who can’t afford private health insurance.

The parents have a combined income of about $45,000, and don’t receive health insurance from employers. When they looked into buying insurance on their own before the accident, they found that it would cost $1,200 a month — a prohibitive sum given their income. After the accident, when their children needed expensive care, they couldn’t get insurance at any price.

Fortunately, they received help from Maryland’s S-chip program. The state has relatively restrictive rules for eligibility: children must come from a family with an income under 200 percent of the poverty line. For families with four children that’s $55,220, so the Frosts clearly qualified.