Hillary Clinton says she will defend the Affordable Health Care Act. But Donald Trump says there are three reasons why he wants it gone.

Trump claims that "Obamacare means higher prices." We wanted to verify whether this statement is true.

Tommy Milko works for Bernard Health, a company that navigates individuals and companies through the confusing world of health insurance choices.

So in the case of "Obamacare means higher prices?" Milko says that is true.

"The state of Ohio is seeing about a 13% increase in premiums for plans on healthcare.gov."

The national average is up near 25%, but it depends on where you live. Costs are down 3% in Indiana, up 56% in Tennessee, and 116% in Arizona. Ohio's 13% increase is actually below the national average.

"We're in a pretty good spot," says Milko.

Trump also says that "Obamacare means fewer choices."

Six insurance companies have left Ohio's marketplace, leaving a total of 11 to cover the state. So your coverage options again depend on where you live.

"In more rural areas of Ohio there could be one or two companies offering plans for them," adds Milko. "But up north there should be at least four."

Trump's final claim about the Affordable Care Act is "Obamacare means lower quality."

According to Milko, "a lot of the big contenders like Anthem, Medical Mutual, and Care Source are still available and they cover the best hospitals in Northeast Ohio like Cleveland Clinic and University Hospitals."

So to recap Trump's claims: Will premium prices go higher? Yes, but Ohio's increase is lower than the national average.

Will there be less choice? Yes, but Northeast Ohioans will still have at least five different plans to choose from.

And does it mean less quality? No, the available plans grant acccess to Ohio's best hospitals.

These numbers refer only to the Federal Healthcare Market Exchange. Those who receive healthcare from their employers may also see up to a 12% increase in premiums.

So why the price hike?

One reason: Those who signed up for Obamacare were sicker then expected, and the young healthy adults who were supposed to sign up and offset costs opted out and chose the tax penalty instead.

This year it's a minimum of $695.