September 16, 2021

The House of Representatives passed the first version of its health-insurance bill Tuesday, as Republicans seek to pass a version by the end of the year.

But while the legislation’s provisions were initially hailed as a big win for consumers, the measure was riddled with loopholes that could limit their ability to afford the coverage.

Consumers would still have to pay a premium for the first year of coverage, but the maximum price they could pay would be capped at $695 per month, with the tax credit capped at 15 percent of the cost of coverage.

Premiums would go up annually to $1,150 for 2018, $1 and $2, and $1 for 2019 and 2020.

The bill also caps deductibles at $6,400 for a single person and $12,600 for two or more people.

That means that a couple with a family of three would have to make $15,200 a year to afford a policy with a deductible of $1.2 million.

It’s unclear how many Americans would be eligible for that coverage, and how much the subsidies would help.

Many consumers are already paying a lot of extra out-of-pocket expenses for the health-related care they need.

A report by the Kaiser Family Foundation found that a typical adult would have an average deductible of about $4,700, while a single parent with two children would have a deductible more than $6.7 million.

For 2018, a family with two adults and two children could pay less than $7,000 a year in premiums if the tax credits are extended to three or more adults.

House Republicans also wanted to keep the individual mandate from kicking in, but it was not part of the bill, so that would have left millions of Americans without coverage.

The Senate has already approved an amendment that would extend that requirement to the 2018 tax year, but that bill is not expected to pass.

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