Insurance Exam Prep
Ran Chen, EA, CFP®
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[Health Insurance] 50, Essential Health Benefits Under the ACA
This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The ten Essential Health Benefits (EHBs) are mandatory for all new individual and small group health plans under the ACA. - EHBs do not automatically apply to large group plans, self-funded plans, or grandfathered plans. - While EHBs must be covered, cost-sharing still applies, with the major exception of certain preventive services which have no cost-sharing. - States define the specific services required within each of the ten EHB categories by selecting a state-specific "benchmark plan". - Exam questions focus on applying EHB rules, such as identifying if a denied service falls into a mandatory category or understanding the limits of the requirements. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep
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