A Qualified Health Benefit Plan (QHBP) is a health care plan that follows rules included in the proposed Affordable Health Care for America Act

Affordable Health Care for America Act

The Affordable Health Care for America Act was a bill that was crafted by the United States House of Representatives in November 2009. At the encouragement of the Obama administration, the 111th Congress devoted much of its time to enacting reform of the United States' health care system...

 (H.R. 3962), preceded by America's Affordable Health Choices Act of 2009

America's Affordable Health Choices Act of 2009

The proposed America's Affordable Health Choices Act of 2009 was an unsuccessful bill introduced in the U.S. House of Representatives on July 14, 2009. The bill was introduced during the first session of the 111th Congress as part of an effort of the Democratic Party leadership to enact health...

 (H.R. 3200). These rules include offering a standard set of services, which includes hospital and outpatient care, mental health, prevention, well-child care, and maternity care.

H.R. 3962 would require private insurance plans and the public health insurance option

Public health insurance option

The public health insurance option is a proposed government-run health insurance agency which competes with other health insurance companies. It is not the same as Publicly-funded health care. Called the public insurance option or public option, for short, it was a proposed health insurance plan...

to adhere to a set of standards:

• Guaranteed renewal of insurance
• Guaranteed acceptance, regardless of a person's current health or health history.
• A cap on out-of-pocket costs
• Allow the use of affordability credits so that those with (sudden or long-term) lower incomes can afford insurance
• Competition in the market place and efficiency requirements for private plans to bring the cost of premiums down

It also requires that the public plan be national - available everywhere in the United States.