In an unusual move, health insurers have weighed in on the current Senate repeal and replace bill. They state that the Cruz Amendment, which would allow states to waive the 10 essential benefits coverage required under the ACA, would encourage healthy people to buy cheap policies and result in exorbitant premiums for people who would need the more comprehensive coverage. Without the individual mandate or the more comprehensive (and expensive policies), insurance companies would have less money to cover the expenses of the sickest patients.