The House Freedom Caucus is asking a lot from the White House to support the bill to partially repeal and replace Obamacare.
A planned amendment from the Freedom Caucus that leaked Thursday outlined what the conservative caucus wants changed in the American Health Care Act. The caucus wants to repeal a majority of Obamacare's insurance regulations.
The caucus' demands in the amendment include:
Repealing the ban on lifetime limits: Obamacare requires insurers cannot put an annual or lifetime dollar limit on spending for healthcare services that are not considered essential health benefits.
Repealing rating restriction requirements under Obamacare: These restrictions limit how much an insurer can charge their premiums to an individual or a business to only be based on factors such as health status, age, tobacco use and gender, according to the nonpartisan Kaiser Family Foundation.
Before Obamacare, each insurer had their own way of determining premiums and each state had different laws that regulate the ratings, Kaiser said.
Repealing the essential health benefits: The White House has reportedly put this one on the table.
The essential health benefits are 10 healthcare conditions that insurance plans have to cover. They include hospitalization, maternity care and mental health or addiction treatment.
Repealing standardized documents: This provision would repeal an Obamacare requirement that benefit and coverage sheets on insurance plans are standardized. The goal is to make comparing plans easier, as all benefit sheets have the same information.
Cutting preventive health service coverage: This would repeal the requirement for insurers to fully cover preventive services such as birth control. The requirements were put in place by Obamacare to address a gender disparity in healthcare, as women pay more than men for insurance.
Stopping the medical loss ratio requirement: Obamacare requires that an insurer spend 85 percent of premiums on medical claims and the rest on administrative costs.
Eliminating single risk pool: The amendment would repeal the rule that requires insurers to use a single risk pool for all Obamacare-compliant plans. Insurers have to use the same premium rating factors for everyone in the risk pool, according to the think tank Commonwealth Fund.
On the individual market, which includes Obamacare's exchanges and is used by people who don't get insurance through work, insurers have to maintain a single risk pool for an entire state. This means they can't create a separate pool for higher-risk and sicker people.
It remains unclear whether all of the parts in the amendment, which was first reported by the Washington Post, would be adopted. GOP leadership is already worried about whether cutting all of Obamacare's insurance regulations could cost moderate support and get through Senate rules.