Are the exact benefits under each of the 10 EHB categories consistent across all states?

The correct answer highlights that while the Essential Health Benefits (EHB) categories are defined at the federal level, the specific benefits offered under each category can indeed vary from one state to another. Each state has the authority to determine how to implement these categories, which can lead to differences in the specific services covered, the limits placed on those services, and how those services are delivered. This flexibility allows states to tailor their health insurance options to meet the needs of their populations and to reflect local standards of care.

This variability means that while all state plans must include the 10 EHB categories, the details, such as coverage and cost-sharing, can differ significantly based on state policies and regulations. Therefore, consumers in different states might experience different levels of access and benefits, even when those benefits fall under the same broad categories defined by federal standards.