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Essential Health Benefits (EHB)

The Affordable Care Act requires that health plans on the individual and small group market, including all plans sold on the exchanges, contain a package of items and services. Required care services include: emergency services, ambulatory patient services, maternity care, pediatric care, mental health care, laboratory services, prescription drugs, and others.

Out-of-Pocket Costs

Health care costs that include deductibles, co-payments and co-insurance that are not already covered by the individual's insurance.