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Health Care Law -  Also known as the Affordable Care Act, the Patient Protection and Affordable Care Act, or Obamacare, it refers to the law enacted in 2010 under the leadership of President Barack Obama. Its goal is to make health care more affordable and accessible for millions of Americans. Learn more about the Affordable Care Act.
Health Insurance Marketplace -  A website where you can compare and buy health plans from various health insurers. Some states have their own Marketplace, and others, such as Pennsylvania, let the federal government operate their Marketplace.
Health Reimbursement Accounts (HRAs) -  This is a tax-advantaged account that is typically paired with a high-deductible health plan to help you pay for qualified medical expenses not covered by your plan. Because an HRA account is owned and funded by an employer, it does not go with you if you change plans or jobs.
- Synonyms: health reimbursement accounts
Health Savings Accounts (HSAs) -  A health savings account helps you save money for health expenses, tax-free. You don’t pay taxes on the money you put in, the money you take out if it is used for qualified expenses, or any money you earn on the account. HSAs must be paired with a high-deductible health plan that meets the IRS guidelines. The IRS also determines what qualifies as a qualified medical expense, which includes your out-of-pocket costs (copays, deductibles, coinsurance) along with some services not covered by a health plan, such as LASIK surgery. You own your HSA account, so if you change plans or jobs, the account goes with you.
- Synonyms: health savings accounts
high-deductible health plan -  A health plan that has a high minimum deductible that a member must reach before the health plan begins to pay for covered services. HRAs and HSAs may be paired with these plans to help offset the costs of the high deductible. These plans typically offer a lower monthly premium and give members more control over their health care dollars.
HMO -  HMO stands for health maintenance organization. An HMO is a type of health plan that requires you to select a family doctor, often called a primary care physician or PCP. You need a referral from your PCP to see a specialist in the HMO network, such as a cardiologist (heart doctor). Typically, only emergency services are covered if you go outside the HMO’s network of participating providers.

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