WASHINGTON — President Donald Trump promised to make health care more affordable but a government report finds that out-of-pocket costs — deductibles and copayments — would average 61 percent higher under the House Republican bill.

And even though the sticker price for premiums would be lower than under the Obama-era law, what consumers actually pay would edge up on average because government financial assistance would be curtailed.

The report from the Office of the Actuary, a nonpartisan economic unit at the Health and Human Services Department, was released earlier this week with little fanfare.

“It’s fascinating,” said Chris Sloan, a policy expert with the Avalere Health consulting firm. “They actually think that on average people will be paying more even though the underlying premium is less.”

The estimates are for the year 2026, and apply to people who buy their own health insurance policies. That group was a major focus of former President Barack Obama’s Affordable Care Act. Individually-purchased coverage is also key to the GOP’s American Health Care Act, which would roll back much of “ObamaCare.”

The report tracks with findings by the Congressional Budget Office, which said millions more would be uninsured under the Republican legislation, in particular due to Medicaid cuts affecting low-income people. But at first blush the impact appears to be less dramatic. The budget office estimate of 23 million more uninsured in 2026 compares with 13 million projected by the experts at HHS.

However, Sloan said much of the contrast appears due to a fairly technical issue: the two groups of experts make different assumptions about the number of people covered as a result of Obama’s law.

The HHS report also finds that the Republican bill would shorten the life of the Medicare hospital trust fund by two years, partly because it repeals a tax on upper-income earners.

While Trump celebrated passage of the House bill with a Rose Garden ceremony, lately he’s told senators it’s too “mean,” and he’s urged lawmakers to spend more money on health care. Republican senators are trying to find a compromise.

In a Washington Post interview shortly before taking office, Trump promised “much lower deductibles.”