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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.

House Republicans are continuing to strengthen our legislation to repeal and replace Obamacare. Known as the American Health Care Act, the bill 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 have been working since then to turn these policies into legislation.

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. 

We know Obamacare continues to hurt workers, families, health care providers, and job creators, which is why we remain committed to repealing and replacing the law as soon as possible. Members of Congress have come together to propose ideas that will further strengthen our legislation—lowering costs, increasing choices, and expanding access to care.

We will continue to make improvements and deliver on our promise to the American people. Americans deserve quality, affordable health care options that are tailored to their needs, not Washington mandates. Healthcare is something that affects everyone on a personal level, therefore we cannot rush the process—we have to get it right.

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 will decrease premiums and expand and enhance 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.