Congress reportedly is contemplating appropriating more federal funding to prop up the Affordable Care Act (ACA, also known as Obamacare) and its harmful policy regulations. The radical and unnecessary changes in insurance regulations made by the ACA created much bigger problems in the insurance market that upended existing federal and state regulation of health insurance, destabilized the individual health insurance market, and resulted in higher costs and fewer choices. Ultimately, Congress can help Americans who are suffering from higher costs and premiums by resuming efforts to address the cause of this suffering by repealing and replacing Obamacare itself. Instead of a bailout, a good place to start would be to give states the flexibility to stabilize their markets.