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story.lead_photo.caption Marr-Lynn Flory, left, and LaTure Hicks, both advanced practical nurses, discuss the care of a patient at the nurses station in the new location of the Northwest Arkansas Free Health Clinic, 1100 N. Woolsey Ave. in Fayetteville. Changes to federal health care laws will require everyone to either obtain health care insurance or pay a penalty on their federal income tax returns beginning in 2014. - Photo by David Gottschalk

The Legislature will decide if the state extends Medicaid to 250,000 uninsured Arkansans.

At A Glance

What it Means

-Essential Health Benefits: A set of health care service categories that must be covered by certain plans, starting in 2014.

-Flexible Spending Account: An arrangement you set up through your employer to pay for many of your out-of-pocket medical expenses with tax-free dollars. These expenses include insurance co-payments and deductibles, and qualified prescription drugs, insulin and medical devices.

-Health Insurance Marketplace: A new transparent and competitive insurance marketplace where individuals and small businesses can buy affordable and qualified health benefit plans. The marketplace will offer choices of health plans that meet certain benefits and cost standards.

-Individual Health Insurance Policy: Policies for people that aren't connected to job-based coverage. Individual health insurance policies are regulated under state law.

-Job-based Health Plan: Coverage that is offered to an employee (and often his or her family) by an employer.

-Self-Insured Plan: Type of plan usually present in larger companies where the employer itself collects premiums from enrollees and takes on the responsibility of paying employees’ and dependents’ medical claims. These employers can contract for insurance services such as enrollment, claims processing, and provider networks with a third party administrator, or they can be self-administered.

Source: HealthCare.gov

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Print Headline: Health Reform Pushing Premiums Higher

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