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For people with low and moderate incomes, the Affordable Care Act’s tax credits have made premium costs roughly comparable to those paid by people with job-based health insurance.

At times of dramatic change in a nation’s history, fear and anxiety can become pervasive and overwhelming. Troubling visions of authoritarianism or chaos, of political persecution, and even civil war disturb our waking thoughts and nightly dreams.

A last-minute attempt by conservative Republicans to dump standards for health benefits in plans sold to individuals would probably lower the average consumer’s upfront insurance costs, such as premiums and deductibles, said experts on both sides of...