Health Insurance Basics

The Affordable Care Act (ACA), signed into law in 2010, brought sweeping changes to healthcare in the United States, including a mandate to ensure all health insurance plans offer a core set of essential health benefits. Under ACA law, health insurance plans must cover ten categories of essential health benefits. These benefits ensure that individuals have access to comprehensive care, ranging from preventative services to more specialized treatments.

Navigating the labyrinthine world of health insurance can feel akin to venturing through a dense forest without a map. However, being well-informed about the intricacies of the Affordable Care Act (ACA) can illuminate the pathway to affordable healthcare. One of the most notable features of the ACA designed to assist low-to-moderate-income families is the benefit known as Cost-Sharing Reductions (CSR).