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H.R.1072 / 115th Congress

Obamacare Replacement Act

Referred to the Subcommittee on Health.

Official summary

Version 00 · Introduced in House · Feb 15, 2017

Obamacare Replacement Act

This bill amends the Internal Revenue Code, the Public Health Service Act, the Employee Retirement Income Security Act of 1974 (ERISA), and the Social Security Act to repeal certain provisions regarding health insurance, including: the requirement for individuals to maintain minimum essential coverage, limitations on insurers varying premiums by age or health status, requirements for health insurance to cover preexisting conditions, and the prohibition on lifetime or annual limits on benefits.

The bill allows a refundable tax credit for a percentage of health insurance premiums and a tax credit for health savings account (HSA) contributions.

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The bill eliminates HSA contribution limits and allows all individuals to make contributions to HSAs. HSAs may be used to pay for over-the-counter medications and health insurance. HSA distributions for abortion are subject to income tax.

The tax deduction for medical care is expanded to include exercise equipment and services, nutritional supplements, and certain primary care fees. Physicians may deduct uncompensated and charity care.

The bill provides for the establishment and governance of: (1) independent health pools, which offer health insurance coverage to their members; and (2) association health plans, which are group health plans sponsored by business associations.

Individual health insurance coverage is governed by the laws of a state designated by the health insurance issuer.

The Centers for Medicare and Medicaid Services must (currently, may) waive Medicaid requirements to enable states to carry out experimental, pilot, or demonstration projects.

Stop-loss insurance obtained by certain health plans or plan sponsors is exempt from requirements for health insurance.

The bill amends the McCarran-Ferguson Act to declare that nothing in that Act affects antitrust laws regarding health insurance.

Read the summary on Congress.gov
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Who introduced it

Rep. Sanford, Mark [R-SC-1] · R–SC

Committees

  • Energy and Commerce Committee
  • Judiciary Committee
  • Education and Workforce Committee
  • Ways and Means Committee
7 cosponsorship records, including any withdrawals

Actions

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  1. Referred to the Subcommittee on Health.

  2. Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, Education and the Workforce, and the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  3. Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, Education and the Workforce, and the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  4. Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, Education and the Workforce, and the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  5. Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, Education and the Workforce, and the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  6. Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, Education and the Workforce, and the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  7. Introduced in House

  8. Introduced in House

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Related bills identified by Congress.gov

Source last updated: Jan 21, 2026. Consult Congress.gov for the current record.

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Objective

Analyze H.R.1072 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Fairness and public impact

Progressive lens

Examine H.R.1072 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

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Institutions and government scope

Conservative lens

Examine H.R.1072 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

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Individual rights and government power

Liberty lens

Examine H.R.1072 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

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