A guide to health insurance and the Affordable Care Act for
consumers. This book describes the health reform provisions of the
Affordable Care Act, including essential health benefits, the
health care exchanges, and premium subsidies available for certain
individuals. The book also describes the main features of health
insurance plans in the U.S., including characteristics of health
maintenance organizations (HMOs) and preferred provider
organizations (PPOs), and typical cost-sharing mechanisms,
including deductibles, coinsurance and copayments. Practical
examples of the operation of deductibles, coinsurance and
copayments are provided.
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