Older workers with dreams of retiring early are increasingly nervous and uncertain as lawmakers in Washington, D.C. debate a replacement health care law for ‘Obamacare’. Potentially steep coverage costs increases in the individual health care market are forcing many in their 50s and early 60s to reconsider their early retirement plans.

The GOP health care plan to replace the Affordable Care Act was still being amended as of Wednesday and may give more assistance to those under 65 years old than the original bill scored by the Congressional Budget Office (CBO) last week. The CBO found a 64 year-olFd earning $26,500 would pay $1,700 in out of pocket expenses under “Obamacare,” as opposed to $14,600 under the replacement plan.

The Republican replacement bill would allow insurers to charge older Americans five times as much as those under 50 years old, while limiting the amount of tax credits. However, a recent revision by the House GOP leadership will allow the Senate to offer additional tax credits for early retirees.

Instead of ‘Obamacare’subsidies, the Republican proposal would issue a tax credit to those insured in an individual health plan. The exact value of that tax credit is directly tied to both age and income. While ‘Obamacare’ implemented a tax structure to force people to buy coverage, the Republican relacement bill will allow insurers to charge a 30 percent penalty to anyone seekes new coverage after previously signing up for coverage and then later dropping it.