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Health insurance and Obamacare terms

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


effective date

The effective date is the date your insurance coverage commences.

electronic health record

An electronic health record is a long-term aggregate of a patient's health information and may be a record of 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

employer mandate

The Affordable Care Act requires employers with 50 or more employees to provide health coverage to those employees and sets… Read more

employer shared-responsibility payment

Since 2015, employers with at least 50 full-time equivalent employees have been required to offer affordable, minimum essential coverage to… Read more

employer shared-responsibility provision

This ACA provision took effect in 2015 and applies ONLY to employers with at least 50 full-time equivalent employees.

employer tax credits

Employer tax credits – or Small Business Health Care Tax Credits – provide a tax credit of up to 50… Read more

employer-sponsored health insurance

Of Americans who have health coverage, nearly 60 percent secure that coverage through an employer-sponsored plan, often called group health… 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


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


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