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Obamacare is hurting more people than it is helping. The law put Washington in control of Americans’ health care. And for seven years, Washington has failed to deliver results. Premiums are skyrocketing. Insurers are fleeing the marketplaces. Access to quality, affordable care is dwindling. And families, job creators, and health care providers are faced with $1 trillion in crushing new taxes.

The American Health Care Act (AHCA) provides immediate relief from Obamacare’s taxes and mandates; lowers costs and increases choices; and returns control of health care back to the states and the American people.

We’ve been talking about our ideas to repeal and replace this failing health care law for years. We outlined our vision for replacing Obamacare more than 9 months ago, and after seven long years and over 200 hearings, House Republicans took a historic step towards repealing Obamacare and giving Americans the health care they want and can afford with the passage of the American Health Care Act.

Fortunately, we have incredible partners in President Trump and Secretary Price at the Department of Health and Human Services. They are already beginning work to strip away Obamacare’s burdensome regulations and stabilize the individual insurance market. 

Over the last month, there have been a handful of revisions to the American Health Care Act. Below Amendments are included in the AHCA:

The MacArthur Amendment keeps our promises of lowering costs and protecting high-risk patients by giving states greater flexibility and more control over local insurance markets. 

Protects Pre-Existing Conditions
This amendment is very clear: Under no circumstance can people be denied coverage because of a pre-existing condition. Even if a state asks for and is granted a waiver, no person may be priced based on health status if they have maintained continuous coverage. In addition to these protections, the American Healthcare Act provides significant resources for risk-sharing programs that lower premiums for all people. 

Gives States Flexibility in Addressing Healthcare Premiums
The healthcare system in New York is different than the healthcare system in Texas. This amendment gives states the flexibility to decide what is best for constituents. 

Lowers Premiums for Americans
This amendment will increase competition in the marketplace, giving Americans more choices when deciding upon their healthcare plans and ensuring that healthcare premiums will decrease.

Provides a Strict Process to Receive a Waiver from Federal Mandates
A state must explain how a waiver will reach the goals of lowering premiums, increasing enrollment, stabilizing the market/premiums, and/or increasing choice. States must lay out the benefits they would provide. And most importantly, states may only apply for a waiver if they have their own risk pool in place. 

The Upton-Long Amendment further strengthens the AHCA protections for Americans with pre-existing conditions by providing an additional $8 billion in resources over 5 years to those with pre-existing conditions.

Protects Pre-Existing Conditions
This Amendment dedicates $8 billion solely to reduce premiums and other out-of-pocket costs for patients with pre-existing conditions who do not maintain continuous coverage and who live in states that receive a waiver to redesign their insurance market.

Further, the AHCA provides a refundable tax credit to those without other health care options so they can get – and stay covered – before they face a serious medical event or suddenly fall ill. These combined resources reaffirm the commitment from House Republicans to ensure Americans with pre-existing conditions are protected.

We know Obamacare continues to hurt workers, families, health care providers, and job creators, which is why we remain committed to fully repealing and replacing the law as soon as possible. The bill has been sent to the Senate for a vote.  

Why don’t we just keep Obamacare?

Because Obamacare is failing. For seven years, it has forced Americans to buy healthcare they didn’t want and couldn’t afford. Millions of Americans lost access to the health plans and doctors of their choice, experienced skyrocketing costs, and the erosion of free-market competition in health care. Obamacare isn’t working.

How is the American Health Care Act better than Obamacare?

The American Health Care Act lowers health insurance premiums. Obamacare was based on a one-size-fits-all approach that put bureaucrats in Washington in charge of your health care. What we’re proposing will deliver the control and choice individuals and families need to access healthcare that’s right for them. And we provide the freedom and flexibility states, job creators, and health care providers need to deliver quality, affordable healthcare options.     

Why not a full repeal of Obamacare?

Just like the President called for, we want to not just repeal but replace this failing law. Our legislation is based on a repeal bill that passed the House and the Senate with broad support in 2015, but was rejected by then-President Obama. Today’s legislation goes even further, answering the President’s call to action and laying the groundwork for the 21st century, patient-centered healthcare system that conservatives have envisioned for years.

 How will this improve care for me and my family?

Our legislation decreases premiums and expands and enhances healthcare options so Texans can find a plan that’s right for them. It also makes sure individuals and families can save and spend their healthcare dollars the way they want and need—not the way Washington prescribes.

How does this plan lower premiums?

By repealing taxes, rolling back regulations and mandates, and restoring control back to the states, our legislation unleashes innovation and competition in the healthcare, which will lower monthly premium costs. Our legislation takes steps to lower costs immediately during a transition to a new healthcare system and over the long term.

Are you repealing patient protections, including for people with pre-existing conditions? 

No. Americans should never be denied coverage or charged more because of a pre-existing condition. Our plan looked to preserve vital patient protections and we allow dependents to continue staying on their parents’ plan until they are 26. 

What about people who gained coverage through Obamacare’s Medicaid expansion?

Americans who do not receive insurance through work or a government program will be eligible to receive an advanceable, refundable tax credit so they can access a plan that’s right for them—not one that’s dictated by Washington. Medicaid is a critical program, but it has flaws—including fewer choices and less access to quality care. Obamacare’s expansion of this safety net to able-bodied adults made those flaws worse. Our proposal strengthened Medicaid and targeted the program’s limited resources to the patients most in need. Furthermore, Texans who fell into Obamacare’s Medicaid and Exchange eligibility gap will for the first time be eligible to purchase private coverage with a tax credit. 

Won’t millions of Americans lose their health insurance because of your plan?

No. We are working to give all Americans peace of mind about their health care. We will have a stable transition toward a system that empowers patients with more choices and lower costs. We take steps to immediately provide more flexibility and choice for the people who purchase insurance through the individual marketplace. For example, individuals and families will be able to use their existing subsidy to purchase insurance—including the catastrophic coverage that’s currently prohibited—off of the exchanges. Furthermore, Americans currently eligible to enroll in private insurance will still be able to– if they so choose. And, compared to Obamacare, even more middle-income Americans will be eligible for a tax credit.  While the budgeteers in Washington predict fewer people will be enrolled in coverage — this is because Americans will no longer be subject to the individual mandate and forced to purchase coverage they don’t or can’t afford.

Are Members of Congress on Obamacare? 

Congressman Brady has insurance through Obamacare and that will not change due to the House Republican’s American Health Care Act.

Who is eligible for the new tax credit?

The tax credit is targeted to low-and middle-income Americans who do not receive health insurance through work or a government program like Medicaid, Medicare, or TRICARE. The tax credit amount gradually phases down by $100 for every $1,000 increase in income over $75,000 for individuals and $150,000 for families. This fiscally responsible approach ensures the people who need help accessing healthcare options receive it.

How big will my tax credit be?

Our tax credits are based on age and family size. Each year, low-and middle-income Americans will be eligible to receive between $2,000 and $14,000 to purchase health insurance, depending on how old you are and how big your family is. These tax credits will be credible—something that will make a meaningful difference for individuals and families when it comes accessing health care through a new, competitive, state-based insurance market. With all the other policies we are proposing to increase choices and lowers costs, this tax credit will help people access the healthcare options they want and need.

False Claim: 129 million people with pre-existing conditions “could be denied coverage” under this bill.
Fact Checked by the Washington Post: “We initially rated this claim as Three Pinocchios. Considering the totality of Harris’s statement, claiming that as many as 129 million could be denied coverage, we are changing the rating on this fact check to Four Pinocchios.”

False Claim: The bill classifies rape or sexual assault as a pre-existing condition.
Fact Check by the Washington Post“The notion that AHCA classifies rape or sexual assault as a preexisting condition, or that survivors would be denied coverage, is false.”

False Claim: Congress is exempt from the bill.
Fact Checked by the New York Times“A separate bill offered by Representative Martha E. McSally, Republican of Arizona, eliminated the congressional exemption from the House health plan. Her bill was overwhelmingly approved by the House — meaning that Congress will live by the same health care rules as other Americans.” 

False Claim: Seven million veterans will lose their tax credit under the bill.
Fact Checked by the Washington Post: “Republicans have stressed that they want current protections to remain, even if Obamacare is repealed; it’s an issue only because of the parliamentary tactics they have chosen. They’re now taking steps to turn the current IRS protections into law.”

False Claim: Insurance companies will be able to deny coverage to those with pre-existing conditions.
Fact Checked by FactCheck.org: “Insurers would still be required to offer plans to anyone regardless of preexisting conditions.”

CLICK HERE to learn more about how AHCA protects Pre-Existing Conditions 

CLICK HERE to learn more about the Patient and State Stability Fund

CLICK HERE to learn more about the Medicaid Per Capita Allotment Reform

CLICK HERE to learn more about Obamacare's Medicaid Expansion


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