Do private insurers have to offer all of the same services as listed in the coverage part of the law? The law/act seems to be focused on medicare?


All private insurance that qualifies as Major Medical coverage must offer the cost sharing and benefits of a bronze plan. This means they must include services of ten categories of essential benefits (mostly at the plans cost sharing amount). This rule doesn't apply for firms with 50 or more full-time equivalent employees.

You are right, the law itself is focused on bringing down the rising cost of Medicare spending. It's working well actually, growth in spending is the lowest it has been in a long time.

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