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Health Insurance Glossary

Definitions for common health insurance terms

employer-sponsored health insurance

DEFINITION: Of Americans who have health coverage, nearly 60 percent secure that coverage through an employer-sponsored plan, often called group health insurance. Millions take advantage of the coverage for reasons as obvious as employer responsibility for a significant portion of the health care expenses. Group health plans are also guaranteed issue, meaning that a carrier must cover all applicants whose employment qualifies them for coverage. In addition, employer-sponsored plans typically are able to include a range of plan options from HMO and PPO plan to additional coverage such as dental, life, short- and long-term disability.

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I have heard that because of…

December 29, 2016 – Q. I have heard that because of Obamacare, employers have been dropping spouses from their plans. Is this true? A. Obamacare increased… Read more

Obamacare no family left behind

No family left behind by Obamacare

August 18, 2016 – Somewhere between two million and four million people are impacted by the family glitch. They are disproportionately lower-income, because… Read more

How do the ACA’s health insurance exchanges interact with critical illness plans? Source:

How do the ACA’s health insurance…

July 10, 2016 – Q: How will the ACA's health insurance exchanges interact with critical illness plans? A: In recent years, critical illness plans —… Read more

My employer offers coverage to our whole family, but only pays the premiums for my coverage; my kids’ premium is payroll deducted in full. Can I buy individual policies for my children instead?

My employer offers coverage to our…

May 13, 2016 – Q. I'm lucky – my boss pays for 100 percent of my coverage. But he doesn't pay any of the premium to add dependents to the plan. Can I… Read more

How SHOP exchanges help small business under Obamacare

How SHOP exchanges help small…

February 10, 2016 – The unprecedented advantages offered by ACA's SHOP exchanges truly make the law a game changer when it comes to making small businesses… Read more