Qualified Health Benefit Plan

A Qualified Health Benefit Plan (QHBP) is a health care plan that follows the rules described below and offers a standard set of services (hospital and outpatient care, mental health, prevention, well-child care, maternity care, etc.)

America's Affordable Health Choices Act of 2009 (H.R. 3200), superseded by the Affordable Health Care for America Act (H.R. 3962), requires private insurance plans (and the public plan) to adhere to a set of standards: Guaranteed renewal of insurance. Guaranteed acceptance, regardless of a person's current health or health history. A cap on out-of-pocket costs. Affordability credits so that those with (sudden or long-term) lower incomes can afford insurance. A nationwide public plan, available everywhere in the United States. Competition in the market place and efficiency requirements for private plans to bring the cost of premiums down.