{
  "node_id": "us-hhs-45-cfr-156-health-insurance-issuer-qhp-standards",
  "title": "45 CFR Part 156 - Health Insurance Issuer Standards under the Affordable Care Act, Including QHP Standards (HHS)",
  "domain": "Insurance & Risk",
  "version": "1.0.0",
  "last_updated": "2026-05-25",
  "bluf": "HHS 45 CFR Part 156 sets the health insurance issuer standards under the Affordable Care Act, including the qualified health plan certification standards, requiring an issuer to maintain a single risk pool, provide the essential health benefits to the benchmark standard, cover prescription drugs without discrimination, meet the cost-sharing, actuarial value, and coverage level requirements, meet the QHP issuer participation standards, provide rate, benefit, and transparency information, satisfy the network adequacy and essential community provider standards, manage enrollment and termination of coverage, segregate funds for abortion services, and maintain accreditation.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
  },
  "crosswalks": {
    "_available_keys": [
      "nist_framework",
      "iso_standard",
      "industry_mapping",
      "ai_overlay_2026"
    ],
    "_note": "Full crosswalk values included in vault response"
  },
  "primary_citations_count": 20
}