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Essential health benefits
In the context of health care in the United States, essential health benefits (EHBs) are a set of benefits that certain health insurance plans are required to cover for patients.〔Frank Lalli, (The Health Care Law's 10 Essential Benefits: The Affordable Care Act ensures you'll have access to these medical and wellness services ), ''AARP The Magazine'' (August/September 2013).〕
Essential health benefits must be offered by health plans in individual and small group markets, both inside and outside of the Health Insurance Marketplace.〔(Essential Health Benefits ), HealthCare.gov (accessed November 12, 2015).〕〔Rosenbaum, Teitelbaum & Hayes, p. 2.〕 Large-group health plans, self-insured ERISA plans, and ERISA-governed multiemployer welfare arrangements not subject to state insurance law are exempt from the EHB requirement.〔Rosenbaum, Teitelbaum & Hayes, p. 3.〕
==History==
Coverage of essential health benefits was first required by the Patient Protection and Affordable Care Act (PPACA or ACA) of 2010, which was a major piece of health care reform legislation.〔 The EHB provisions of the ACA was an amendment to the Public Health Service Act.〔Rosenbaum, Teitelbaum & Hayes, p. 2.〕
Dr. Shana Alex Lavarreda, the director of health insurance studies for the UCLA Center for Health Policy Research, explains that before the ACA's passage, U.S. health insurance sector experienced "a race to the bottom, with insurers cutting benefits to lower premiums."〔 The establishment of essential health benefits "set a standard for insurance. Anything below that is not true health insurance."〔 The EHB requirement came into effect on January 1, 2014.〔
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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