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What does ‘insurance’ mean here?

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Timothy Jost writes in Health Affairs:

“Some of the ACA replacement plans currently being considered by Congress would offer tax credits for the purchase of health insurance but do not specify the benefits that this insurance would have to cover or how extensive that coverage would have to be. The task of defining qualifying health insurance coverage would be left to the states.

“In evaluating health reform proposals, the CBO has traditionally projected how many people will be insured under the proposals. But if reform plans offer no single definition of coverage, the CBO cannot evaluate how extensive coverage will be under the reform plan’s terms. To make any meaningful estimate for comparing alternative proposals, the CBO must have a single definition of coverage. Otherwise, a proposal offering a small tax credit that might allow individuals to purchase coverage with very high deductibles or very low annual and lifetime limits, or that covered very few services, could be counted as covering just as many or more people than the ACA, which only permits comprehensive coverage in the nongroup market.”

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