---
kind: "section"
citation: "45 C.F.R. § 159.110"
title: "45"
number: "159.110"
heading: "Definitions."
url: "https://uscodex.org/cfr/45/159.110"
---

# §159.110. Definitions.


For purposes of [part 159](/cfr/45/part159.md), the following definitions apply unless otherwise provided:

Health Insurance Coverage: We adopt the Public Health Service Act (PHSA) definition of “health insurance coverage” found at section 2791(b)(1) of the Public Health Service Act (PHSA).

Health Insurance Issuer: We adopt the PHSA definition of “health insurance issuer” found at [section 2791(b)(2)](/cfr/45/2791.md?p=b-2) of the PHSA.

Health Insurance Product: Means a package of benefits that an issuer offers that is reported to State regulators in an insurance filing.

Individual Health Insurance Coverage: We adopt the PHSA definition of “individual health insurance coverage” found at [section 2791(b)(5)](/cfr/45/2791.md?p=b-5) of the PHSA.

Individual Market: We adopt the Affordable Care Act definition of “individual market” found at section 1304(a)(2) of the Affordable Care Act and 2791(e)(1)(A) of the PHSA.

Portal Plan: Means the discrete pairing of a package of benefits and a particular cost sharing option (not including premium rates or premium quotes).

[Section 1101](/cfr/45/1101.md) High Risk Pools: We define [section 1101](/cfr/45/1101.md) high risk pools as any entity described in regulations implementing [section 1101](/cfr/45/1101.md) of the Affordable Care Act.

Small Employer: We adopt the Affordable Care Act definition of “small employer” found at section [1304(b)(2)](/cfr/45/1304.md?p=b-2) and [(3)](/cfr/45/1304.md?p=b-3).

Small Group Coverage: Means health insurance coverage offered to employees of small employers in the small group market.

Small Group Market: We adopt the Affordable Care Act definition of “small group market” found at [section 1304(a)(3)](/cfr/45/1304.md?p=a-3).

State Health Benefits High Risk Pools: Means nonprofit organizations created by State law to offer comprehensive health insurance to individuals who otherwise would be unable to secure such coverage because of their health status.


## Notes

### Authority

Authority: Section 1103 of the Patient Protection and Affordable Care Act (Pub. L. 111-148).

### Source

Source: 75 FR 24482, May 5, 2010, unless otherwise noted.