# [Health Insurance] 50, Essential Health Benefits Under the ACA

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-50-essential-health-benefits-under-the-aca
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-50-essential-health-benefits-under-the-aca.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-05-16T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/e0587946-5bd7-452c-b42c-1d2b2dda400f.mp3
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Duration seconds: 208

## Resource

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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## Transcript

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