The health insurance industry is worried that any drastic changes to Obamacare would be dangerous, as the Republican-controlled Congress puts repealing the law on the top of its to-do list next year.

Republicans haven’t created a full replacement plan for the Affordable Care Act, but they can repeal the law easily through budget reconciliation or through administrative actions. Some analysts have said they expect a transition period until a replacement is passed, but the possibility of a repeal without any such period has left insurers jittery.