Republicans have struggled to coalesce around a plan to repeal and replace Obamacare that would cover the poor and uninsured. Like any product, the primary barrier to purchasing insurance is its high cost. A 2016 survey by the Kaiser Family Foundation found that nearly half of the uninsured didn’t buy coverage because it was too expensive. How can the GOP fix this problem? Refundable tax credits are key.

Members of the extra-conservative House Freedom Caucus had a clear and simple answer to this problem: Repeal Obamacare’s costly insurance regulations. These regulations shift punishingly high premiums onto young and healthy individuals and mandate coverage for a variety of expensive and unnecessary benefits. The Heritage Foundation estimates they increase the cost of coverage by 44 to 68 percent.