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Health insurance and Obamacare terms

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


second opinion

It is a medical opinion provided by a second physician or medical expert, when one physician provides a diagnosis or… Read more

second surgical opinion

These are now standard benefits in many health insurance plans. It is an opinion provided by a second physician, when… Read more

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

An injury or illness that keeps a person from working for a short time. The definition of short-term disability (and… 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

In recent years, many colleges have begun requiring proof of health insurance for students. Most four-year colleges now offer health… Read more


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