one of the most important aspects of any health care plan. >> let me take a moment to explain something to you that you've probably heard a lot about, essential health benefits. now, while there are things we can all choose about our health care plan, under obamacare all the providers had to guarantee an essential minimum level of coverage like preventive services, prescription drug coverage as well as maternity and newborn care. they also have to cover emergency room care including the ambulance that might take you there. they have to provide coverage for in-hospital stays including the operation that could be necessary while you're in the hospital. now, some people argue that you shouldn't have to pay for all that, that you should be able to buy plans that don't cover in-hospital care for example and thus save money on your monthly premium payments. these are so-called skinny plans or junk plan, plans that don't have the essential health benefits. here is the rub. most people just don't know if or when they will get sick be. and that's why we have insurance in the first place.
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