House Speaker Paul Ryan, right, and House Majority Whip Kevin McCarthy walk away following a news conference on the American Health Care Act on Capitol Hill on Tuesday. Susan Walsh / AP

"If a young man wrecks his Porsche and has not had the foresight to obtain insurance, we may commiserate but society feels no obligation to repair his car," he wrote in the blueprint. "But health care is different. If a man is struck down by a heart attack in the street, Americans will care for him whether or not he has insurance."

That's the problem with letting people choose not to have health insurance if they don't want it, said David Cutler, an economics professor and health policy expert at Harvard University.

"One way or another, sick people cost money," Cutler said.

Treating heart attack victims in the emergency room is far more costly than preventing the heart attack with good medical care.

"The best thing that we can do to protect health is to prevent illness in the first place," said Dr. Leana Wen, Baltimore's health commissioner. "The emergency room is not the safety net. By the time that people get there, it's often too late."

Related:

A patient with schizophrenia may cost $50,000 a year to treat, but left untreated, could end up in jail at the taxpayer's expense, Cutler said.

"You can say, 'I want to pay for them through taxes'. You can say, 'I want them to die because they don't deserve coverage'. But you can't say, 'I don't want to pay for them but I want them to get care,'" he added.

The new GOP plan seeks to encourage but not mandate people to get insurance by letting companies charge higher premiums for those who have gone without coverage.

"Insurance is not really the end goal here," White House Office of Management and Budget Director Mick Mulvaney told MSNBC.

And it also would let states decide what kind of policies insurance companies should offer.

DeMoro, of the nurses union, sees it as a recipe for disaster.

The Obama administration even had trouble controlling insurers who sought to trim what they offered, she said.

"Even through the ACA, health exchanges, insurers routinely change plan designs yearly in ways to increase out-of-pocket costs and limit patient choice through narrower networks," she said.

That was one of the biggest complaints about Obamacare some customers lost access to doctors and hospitals they'd been using for years.

Related:

Cutler also worries people will try to game the system if they don't have to buy high-quality insurance.

"They can say, 'I am going to buy a crappy health insurance policy because I know if I get really sick someone will take care of me,'" he argued.

Holtz-Eakin doesn't think that's a risk.

"It's never been the case that we've had a race to the bottom with health insurance," he said. "That's not my model of how markets behaveInsurers offer policies that people want to buy."

See the original post:

The GOP Wants More Health Care Choices. Is That Really a Good Idea? - NBCNews.com