Health care providers and advocates are hoping that the Affordable Care Act will lead to more people with health conditions getting health coverage, which could save lives and help alleviate the country’s spiraling healthcare costs.
A new bill that will go before Congress this week would make it much easier for Americans to get private health insurance and cover more people, as well as give states greater flexibility in what they can charge, according to advocates and the policy makers behind the bill.
It would also allow states to waive requirements that people who are sick or have other health problems pay for their own coverage, said Dan Stessel, a policy director at the nonprofit advocacy group the Kaiser Family Foundation, which advocates for people who have preexisted conditions.
The new law would provide a lot of flexibility, said Alex Gorski, the executive director of the Center for Affordable Health Reform, which supports health insurance for people under the age of 26.
The law would make health insurance cheaper and easier for people to get coverage, Gorski said, and would make people more likely to get treatment, including for preexistent conditions.
It will allow people with pre-existing conditions to have coverage through state-run health insurance exchanges that were designed to be accessible and flexible for everyone.
It will allow states more flexibility to set high premiums and allow people to keep their existing coverage if they want, he said.
The legislation, which has been called the Obamacare Lite bill, is a compromise between Republicans and Democrats who have been negotiating a version of the law for years.
It is unlikely to go anywhere in Congress, as Republicans and some Democrats are opposed to the health care law.
It is a big win for Democrats who were frustrated with the Republican healthcare law and want to keep control of the Senate, where the Republican-controlled House has so far blocked legislation to repeal it.
Republicans have been pushing to repeal the law in their own version, but they have not come up with a replacement that would offer a broad array of coverage options.
In fact, they have been making progress on several fronts, including repealing provisions that help low-income people afford their insurance.
The American Health Care Act, as the legislation is known, was introduced last month by Senate Majority Leader Mitch McConnell and Sen. Susan Collins, R-Maine.
It would allow states and localities to opt out of the insurance mandates for most people who get coverage through federal and state governments and make the individual mandate optional.
States and local governments would have the option to waive those mandates and make coverage available to low-wage workers.
It’s similar to what President Donald Trump has proposed, but with fewer protections for people of color and people with disabilities.
States that opt out would be allowed to charge more for their insurance plans, including people with high medical expenses or disabilities, who also would be required to have health insurance, according the draft.
The legislation would make sure that people with a pre-existing condition cannot be denied coverage because of a preexisting condition.
It also allows states to charge higher premiums for people on Medicaid, the federal health insurance program for the poor and people who work part-time for federal government jobs.
States also would have a choice about what to do with people with long-term conditions, such as cancer or chronic illness, who cannot be charged the same as everyone else for insurance.
That would give them more options, said Amy H. Skelton, a professor at Harvard Law School and an expert on health care policy.
States would have flexibility to limit the amount of the individual and small group insurance that people can purchase.
States could also allow insurers to charge people more based on a person’s age, gender and other factors.
States would have to set their own minimum and maximum rates.
The bill also would give states more leeway to charge sick and disabled people higher premiums.
In some states, it would be harder for people living with a mental health condition to buy insurance.
It requires states to let insurers charge a “premium” of 20 percent or more for coverage of mental health conditions and would let insurers limit coverage to a maximum of five days a month.
States could allow insurers not to cover a mental illness condition for three months, but it would still be up to the insurer to prove that the person was diagnosed with a serious mental illness, said Katherine M. Albertson, a health policy analyst at the nonpartisan Kaiser Family Policy Institute.
The draft bill would also let states set the minimum premiums that they can offer, including the amount insurers must charge for insurance plans with higher premiums and the amount they must charge people with mental health and substance use disorders, AlberTSon said.
In many states, people would still have to pay more for private insurance than they do under the current law.
Under the law, people with incomes up to 400 percent of the poverty level who get health coverage through the federal