WASHINGTON (AP) — Republicans are touting lower premiums under their health care legislation, but that reflects insurance that would cover a smaller share of the cost of medical bills. Insurers will be able to charge older adults up to five times more, compared with a three-fold difference under current law, the health care overhaul passed under former President Barack Obama. Lower-income people get less assistance with premiums in the Senate bill and the GOP would also phase out extra help that many receive with deductibles and copayments. Industry consultant and blogger Robert Laszewski says lawmakers should start from scratch and try to design a system along the lines of the Medicare prescription drug benefit, a collaboration between the government and insurers that has solid bipartisan support, even if its cost to taxpayers is a problem. What's gotten most attention is the CBO's projection that at least 22 million fewer Americans would have health insurance under either Republican bill, the one that passed the House or the Senate version. Premium subsidies would reduce the net premium to $1,700. Because of extra subsidies for deductibles and copayments, the plan would cover 87 percent of expected medical costs.