The American people deserve a Christmas gift: permission to buy lower-cost, catastrophic health insurance on the exchanges. Such insurance offers protection for major illnesses but not for routine care.

Under the Affordable Care Act, only people younger than 30 are allowed to buy such insurance. But President Obama has allowed some others to claim a “hardship exemption” from Obamacare and purchase “bare-bones” or “catastrophic” health insurance plans.

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