Essential Health Benefits for the New York Health Benefits Exchange

This report was prepared by Milliman, Inc.  This report identifies the issues around the selection of the essential health benefits (EHB) benchmark and discusses the implications that the EHB choice will have on consumers, businesses, and the state. The report examines the implications of the EHB choice on mandated benefits and the policies offered to the individual and small group markets both in and out of the exchange. Finally, the report estimates the cost impact on services covered by the health insurance policies of small businesses relative to the selected benchmark plan.