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Health insurance and Obamacare terms

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

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Obamacare metal plans

The Affordable Care Act set out to standardize individual health insurance policies by creating a “metal” ranking for policies, with… Read more

Obamacare penalty

Under the individual mandate provision of the Affordable Care Act, Americans will be required to purchase health insurance, starting in… Read more

open enrollment

Open enrollment is a window during which individuals and employees may add or drop their health insurance, or make changes to… Read more

open-ended HMOs

HMOs which allow enrolled individuals to use out-of-plan providers and still receive partial or full coverage and payment for the… Read more

out of network (out of plan)

This phrase usually refers to physicians, hospitals or other health care providers who are considered nonparticipants in an insurance plan… Read more

out-of-plan (out-of-network)

This phrase usually refers to physicians, hospitals or other health care providers who are considered nonparticipants in an insurance plan… Read more

out-of-pocket costs

The monthly premiums you pay in order to have coverage are not included in out-of-pocket costs. Out-of-pocket costs are only… Read more

out-of-pocket maximum

A predetermined limited amount of money that an individual must pay out of their own savings, before an insurance company… Read more

outpatient

An individual (patient) who receives health care services (such as surgery) on an outpatient basis, meaning they do not stay… Read more