Essential Health Benefits
Under the Affordable Care Act (ACA), health plans offered in the individual and small group markets are required to offer comprehensive coverage, known as essential health benefits (EHB).
The ACA requires EHBs to include items and services in at least the following 10 categories:
The US Department of Health and Human Services (HHS) allows states the flexibility to provide a recommendation for EHBs from 10 benchmark plans which HHS has identified as reflecting the services of a typical employer plan. HHS has issued some additional guidance to states but ultimately this approach will allow for greater flexibility in the plan selection and meet the specific needs of Kentuckians.
Kentucky Department of Insurance