"Congress should repeal the ACA regulations that prevent insurers from fully adjusting individual premium rates to reflect known health risks. Instead, Congress should restore the right to renew coverage if an applicant has maintained insurance with no gaps of more than 63 days (COBRA) and insurers should be allowed to sell multiyear coverage.... Those who lack access to health coverage at work should have access to a defined tax credit that provides a comparable amount of tax relief as employer-provided health benefits for a middle-income family.... Flexible Spending Account (FSA) holders should be allowed to rollover their unused funds into Health Savings Accounts (HSAs). HSAs should be expanded to allow for larger contributions."

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