1. Short title This Act may be cited as the Protect Act . 2. Findings Congress finds as follows: (1) In President Obama’s last year in office, Obamacare’s high costs exposed working Americans to potential health insurance coverage loss, the most extreme form of lacking pre-existing conditions protection. That year, there was a 20 percent decrease in enrollment in plans offered on the Exchange among working Americans who earned too much to receive a premium tax credit subsidy, but not enough to cover the over 105 percent increases in premiums under Obamacare. (2) In 2015, nearly 80 percent of the households who paid the individual mandate tax earned less than $50,000 per year. (3) Recognizing this unfair burden, in December 2017, Congress acted to restore freedom and liberty to Americans by eliminating the penalty for noncompliance with such individual mandate. (4) Obamacare is not the only way to protect Americans with pre-existing conditions. (5) Obamacare’s one-size-fits-all approach undermines States’ ability to care for their populations and left many Americans unable to afford any health insurance in the individual market. (6) Congress will protect individuals with preexisting conditions if the Supreme Court ultimately determines in Texas v. Azar that Obamacare is unconstitutional. 3. Guaranteed availability of coverage