Almost all of this population earns more than 350 percent above the federal poverty level - the cutoff point in the Senate bill for receiving federal subsidies to help purchase marketplace coverage. But it would also allow insurers to offer plans that don't follow those rules, provided the insurer also sells a plan that complies.
Obamacare is working well in many states and not so well in others.
The amendment, however, has been key to getting Cruz to vote for the GOP plan to overhaul Obamacare. "The fact that you get pregnant in July does not allow you to switch to a plan with pregnancy care", Adam Sonfield, the senior policy manager at the Guttmacher Institute, told Vox's Ella Nilsen.
The GOP's answer to this problem is to try to quarantine sicker people off to the side in subsidized plans. Another Republican senator, Mike Rounds of South Dakota, is trying to undo the damage Cruz's plan would do by creating some kind of "ratio" between the costs of the expensive insurance and the cheap insurance. And indeed, those are the people who have shied away from numerous Obamacare marketplaces, frustrated by premium hikes and willing to instead pay the relatively small fine for lacking coverage.
Specified disease insurance is offered to cancer, critical illness, first diagnosis cancer, fixed indemnity, medicare supplement, preventive care, specified disease, specified health event, dental and vision problems. It's supposed to be available for high-risk or reinsurance pool.
Let's take a step back and see what we're left with.
Millions vote in Venezuela poll
The chief prosecutor's office confirmed Escot - who was a nurse - had been killed and four others wounded in the incident. Mr Fox went to Venezuela on Saturday in a group of Latin American former presidents to support the Opposition referendum.
So what counts as a preexisting condition that could get you denied coverage under the new plan? But experts say insurance simply doesn't work this way, and the "Cruz amendment" would unleash destructive forces for individuals without employer-sponsored coverage as well as for the system. This of course is what's happening under Obamacare. And will the subsidies make the insurance worthwhile for people who are hard to insure but not yet truly ill?
"Unfortunately, this proposal would fracture and segment insurance markets into separate risk pools (for the healthy and unhealthy) and create an un-level playing field that would lead to widespread adverse selection and unstable health insurance markets", the organization said in a memo it released Wednesday. "People with opioid and other drug problems have other health issues, from HIV, to hepatitis, health and liver problems, mental health, depression and on and on".
Nor is there any detail in the bill of how these high-risk pools will work.
And, millions of average Americans, like my friend Roland, will be able to afford catastrophic coverage that they will likely not use, but will provide peace-of-mind should tragedy strike.
That brings us to the present day. It would reduce premiums mainly by eliminating coverage, giving states discretion to allow medical insurance policies to exclude treatment for serious ailments and to jeopardize coverage for the millions of people already afflicted with something.
Cruz says the proposal would drive down premiums and give people the option of buying the coverage they feel they need. That has made coverage more robust, but it's also raised premiums for relatively healthy people. Republicans have cherry-picked horror stories of skyrocketing premiums, and it is true that 2017 saw premiums rise as part of this price correction. This means that you may still be subject to an Obamacare tax penalty if you purchase a fixed-indemnity insurance plan. "This wouldn't take years". But it was only funded with a one-time appropriation of $5 billion, and enrollment was capped at 115,000 before the exchanges opened because the program was running out of money.