Republicans said the bill would still guarantee access to insurance for people with pre-existing conditions. But consumers could be exposed to new medical costs if, for example, insurers did not have to cover certain expensive new drugs or medical procedures.

“An individual with a pre-existing condition could be insured, but the services needed to treat that condition might not be covered because of a waiver,” said Timothy S. Jost, an emeritus professor of health law at Washington and Lee University.

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