Biden: Obamacare repeal risks pre-existing condition protections.

Joe Biden warns that repealing the ACA would put preexisting condition protections for 100 million people at risk

Statement: If the Affordable Care Act were terminated, "that would mean over a hundred million Americans will lose protections for preexisting conditions."

In a new ad, Biden contrasts his support for the ACA with Trump's promise to overturn it. The claim by Biden, that 100 million Americans are at risk of losing preexisting condition protections, is supported by experts. However, the impact of a repeal is debated. Most Americans have coverage through their employers and are protected by the 1996 HIPAA, which may not change immediately. Biden's claim is rated "mostly true."

The Facts:

• Polls show Trump leading in swing states, but Biden is favored on health care.
• Biden's claim of 100 million people with preexisting conditions is backed by estimates ranging from 54-135 million.
• Pre-ACA, insurers could charge higher premiums, restrict coverage, or deny coverage to individuals with preexisting conditions.
• Experts predict a repeal could result in higher premiums, job lock, and loss of insurance.
• However, the impact is debated, as most have employer coverage with HIPAA protections.
• Trump has not provided a replacement plan, despite promises to "replace and improve" the ACA.