[20160706]IF10287_基本健康福利（EHB）.pdf

https:/crsreports.congress.gov Updated July 6, 2016The Essential Health Benefits (EHB)Overview The Patient Protection and Affordable Care Act (ACA; P.L. 111-148, as amended) requires all non-grandfathered health plans in the non-group and small-group private health insurance markets to offer a core package of health care services, known as the essential health benefits (EHB). The ACA does not specifically define this core package. Instead, it lists 10 categories from which benefits and services must be included (see Figure 1) and requires the Secretary of the Department of Health and Human Services (HHS) to further define the EHB. Figure 1. Overview of the EHB Process Source: Congressional Research Service (CRS) analysis of the essential health benefit (EHB) process based on 45 C.F.R. 156.100-115. EHB for 2014-2017 State Selection of EHB-Benchmark Plans The HHS Secretary outlined a process in which each state identified a single plan to serve as a reference plan on which most non-group and small-group market plans must base their benefits packages in terms of the scope of benefits offered (see Figure 1). These reference plans are known as EHB-benchmark plans. For the 2014-2016 cov