entirety. The use of Health Savings Accounts in the American Health Care Act has been criticized as of limited value to low income Americans, who would not be able to take advantage of the provision. The Act uses state-run high-risk pools to assist people with pre-existing conditions, which could be excluded from insurance coverage upon repeal of the Affordable Care Act. These pools have typically required high rates, which may make them unaffordable for individuals with low incomes. H.R. 3121 would appropriate $25 billion to be spent over 10 years (or an average of $2.5 billion annually) to subsidize the high risk pools. The cost of covering pre-existing conditions was estimated to be between $15 and $20 billion per year, according to a 2010 National Affairs article. The bill would allow individuals to move between insurance plans and not be without coverage, including coverage for pre-existing conditions. H.R. 3121 would attempt to create a more competitive health care market to control prices. This would be achieved through allowing insurance policies to be sold across state lines, prevent a single insurance carrier from dominating the market in any one state, and provide a website for comparing insurance plans, and prevention of federal funding of abortions. Small businesses would be allowed to pool together to negotiate lower rates. The bill strives to achieve affordable health care and increased access, but without mandates or tax increases. It has been predicted that allowing purchase of insurance across state lines without national requirements for coverage would create a "race to the bottom." The insurance companies would try to reduce how much they would need to charge for their plans by limiting coverage. If individuals choose to purchase primarily on the cost of the plan, many people could end up with insurance offers very little coverage. The bill would reform medical malpractice laws, including limiting non-economic damages to $250,000, in an effort to reduce costs of healthcare. Critics have noted that medical liability costs represent only about 2.4% of health care spending, so reforms will have minimal impact. The Act consists of less than 200 pages, as compared to the 2,700-page Affordable Care Act. Supporters believe this bill to be less complex, and easier to understand and define. See also List of bills in the 113th United States Congress References External links Library of Congress - Thomas H.R. 3121 beta.congress.gov H.R. 3121 GovTrack.us H.R. 3121 OpenCongress.org