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Health Insurance Glossary

Definitions for common health insurance terms

employer-sponsored health plans

DEFINITION: Employer-sponsored health plans currently provide some level of health coverage for approximately 160 million Americans. Employer-sponsored health plans are more likely to be provided by larger companies; in fact, an estimated 99 percent of companies with 200 or more workers offer health benefits, according to testimony in Congress. However, the plans face rapidly escalating premiums – up 119 percent since 1998 – and even at larger firms, up to 21 percent of workers may not be eligible for coverge, even it it’s offered. Health reform legislation proposals in Congress may include an employer mandate, designed to increase participation by employers and by more of their employees.

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I’m not sure when health benefits will start at my new job. Can I drop ACA coverage when those benefits start?

I’m not sure when health benefits will…

May 4, 2016 – Q: I was just a new job and fortunately, I will be eligible for health benefits. The only drawback is that there IS a waiting period. If I… Read more

will work for health benefits

Obamacare giveth. Employers taketh…

May 31, 2013 – You gotta wonder how some people in the health insurance business sleep at night. Oh wait. You can’t sleep if you stay up late thinking… Read more

Obamacare Papa Johns

Can businesses really NOT afford ACA?

December 1, 2012 – U.S. workers may think ACA-mandated health benefits from their employers are "priceless," but some business owners believe employees and… Read more


American dream can be a nightmare

September 25, 2009 – There’s something about this huge debate on health care that’s been sorely lacking and … and that something is a … Read more