Essential Health Benefits are a federally mandated list of 10 health service categories that all ACA-compliant insurance plans must cover, regardless of individual consumer needs or preferences. While promoted as consumer protection, EHPs eliminate the ability of insurers to offer tailored, lower-cost plans that match diverse consumer preferences. This one-size-fits-all approach increases premiums by forcing consumers to purchase coverage they may not want or need, reducing market diversity and restricting consumer choice that would otherwise drive competition and innovation.
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