I have another question. If the bill was so great, why did it require 'tax credits'....which is yet another form of subsidies? Why would anyone really "need" tax credits to help pay for their health insurance under the new bill. Wasn't it supposed to lower costs across the board.... for everyone (not just for a special, favored few)? (rhetorical, as you said)
Refundable tax credits can indeed be viewed as a form of subsidy. Health insurance by its nature is expensive; there's nothing that can change that reality if you want coverage for that knee replacement, or heart transplant, or chemotherapy, or designer drug. What we expect from health care has changed dramatically in the last few decades, as well as the things that good health care can do.
Like many, I favor subsidies to help the working poor acquire catastrophic coverage at a minimum, and health savings accounts can also go a long way to make us careful consumers of medical care. I don't have dental insurance, so I always ask questions about the need for, and efficacy of, tests and other procedures my dentist recommends. I tend to be less careful when accessing medical care, because all I'm usually responsible for is a co-payment.
But the working poor can't afford meaningful contributions to an HSA, either. It's no wonder that developed countries take so many different approaches to health care financing. Don't dismiss single payer - if constructed properly, it can be a boon to many, including employers who can concentrate on building widgets rather than running health care plans.
Generally speaking, the AHCA's refundable tax credits would have been better for folks earning between approximately $40,000 and $70,000, and the ACA subsidies are better for folks earning less than $40,000. There would have been winners and losers had the AHCA passed, and I strongly suspect that the Senate, had it had a chance to reconcile the AHCA, would have skewed the credits more toward the poor and the old, and probably would have substantially reduced tax credits for the young. Younger workers would have benefitted from the abolition of the ACA's 3 to 1 rule, which forced the young to pay higher premiums to subsidize the old.