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The Patient Protection and Affordable Care Act’s 10 essential health benefits have given brokers and agents plenty to chew on during the law’s implementation. While those benefits are intended to improve care covered under health plans across the nation, they have been shown to drive up the cost of some plans—a side effect largely unknown to many new plan purchasers thanks to the law’s subsidies—and has led to cases of coverage incongruity. For example, men are now required to pay for prenatal care. Childless individuals are required to pay for pediatric care. And people who don’t take pills have to pay for prescription coverage.

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