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Health insurance and Obamacare terms

What does health reform mean to you? Start with these definitions.

E

effective date

The effective date is the date your insurance coverage commences.

electronic health record

An electronic health record, which is a more comprehensive, long-term aggregate of a patient's health information and may be a… Read more

electronic medical record

An electronic medical record is a record of patient health maintained by the patient's physician as a record of that… Read more

embedded deductible

In a health plan with an embedded deductible, no single individual on a family plan will have to pay a… Read more

employee assistance programs (EAPS)

Mental health counseling services that are sometimes offered by insurance companies or employers. Typically, individuals or employers do not have… Read more

employer mandate

The new health reform legislation requires employers with 50 or more employees to provide health coverage to those employees and… Read more

employer shared-responsibility payment

Starting in 2015, employers with at least 50 full-time equivalent employees will be assessed a penalty if they do not… Read more

employer shared-responsibility provision

This ACA provision goes into effect in 2015 and applies ONLY to employers with at least 50 full-time equivalent employees.… Read more

employer tax credits

Employer tax credits – or Small Business Health Care Tax Credits – provide a tax credit of up to 35… Read more

employer-sponsored health insurance

Employer-sponsored health insurance is one form of group health insurance, and offers advantages that include guaranteed issue and a range… Read more

employer-sponsored health plans

Employer-sponsored health plans currently provide some level of health coverage for approximately 160 million Americans. Employer-sponsored health plans are more… Read more

essential benefits

Beginning in 2014, under the Affordable Care Act, all health insurance policies sold in state health insurance exchanges and off exchange must cover… Read more

essential health benefits

Beginning in 2014, under the Affordable Care Act, all health insurance policies sold in state health insurance exchanges must cover… Read more

exchange

A health insurance exchange mechanism is a key provision of the Affordable Care Act, established to provide a selection of… Read more

exclusion

An exclusion is a provision within a health insurance policy that eliminates coverage for certain acts, property, types of damage… Read more

explanation of benefits

An explanation of benefits is the insurance company’s written explanation regarding a claim, showing what they paid and what the… Read more