Habilitation, or supplying people with physical and developmental disabilities with the means of developing independence through treatment, is among the “10 essential benefits” that must be provided through plans offered under the Affordable Care Act. What that actually means for the disabled community remains to be seen due to several varying factors. The federal health care law mandates coverage of habilitation services but leaves it up to states to decide what and how much will be covered. Moreover, the problems that have plagued the online health exchanges are keeping many people from reading exactly what insurers on the health exchanges are covered. Read more.