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Health insurance and Obamacare terms

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


SHOP exchange

SHOP stands for "Small Business Health Options." It's the small-business section of the exchange, where small employers can purchase coverage… Read more

short-term disability

Short-term disability refers to an injury or illness that keeps a person from working for a short time. The definition… Read more

short-term health insurance

Designed for healthy individuals and families, short-term policies provide an affordable safety net while switching from one life event to… Read more

Silver plan

See Obamacare metal plans.

single-payer system

Single-payer system is a health care system in which one entity – a single payer – collects all health care… Read more

small-business health care tax credits

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

socialized medicine

Socialized medicine is, by definition, a health care system in which the government owns and operates health care facilities and… Read more

special enrollment period

A special enrollment period is the time during which you can enroll in an ACA-compliant plan (on or off-exchange) if… Read more

specialty drug

Specialty drugs are high-cost prescription medications used to treat complex, chronic conditions like rheumatoid arthritis, multiple sclerosis, and cancer. These… Read more

state-mandated benefits

When a state passes laws requiring that health insurance plans include specific benefits.


The dollar amount of claims filed for eligible expenses at which point you've paid 100 percent of your out-of-pocket and… Read more

student health insurance

Many colleges require their students to carry health insurance coverage, and the ACA also requires nearly all Americans to maintain… Read more


Individual subsidies – or individual affordability credits – are included in the health reform legislation to help ensure the goals… Read more

supplemental insurance

Supplemental insurance refers to an insurance policy that supplements your primary health insurance coverage. Supplemental insurance includes a variety of… Read more