Basics
- Obamacare Basics for Your State - (Basics)
Rates
- Obamacare Rates for County - (Rates)
How to Enroll
- Obamacare Enrollment - (How to Enroll)
Financial Help
- Obamacare Financial Assistance - (Financial Help)
Life Situations
- Obamacare for Different Life Situations - (Life Situations)
  • Obamacare for Self-Employed People
    What sole proprietors and independent contractors in your state should know about health insurance under the Affordable Care Act (Obamacare).
  • Domestic Partners and Obamacare
    If you're a registered domestic partner or have entered into a civil union, how you apply for coverage under the Affordable Care Act (Obamacare) depends on your state’s law.
  • Obamacare and Seniors
    For seniors, coverage options under the Affordable Care Act depend on whether or not you're covered by Medicare.
  • How Obamacare Can Help the Unemployed
    Learn what the Affordable Care Act (Obamacare) means for unemployed residents of your state, including new options for health insurance coverage.
  • Obamacare and Students
    Four ways students who need health insurance can get covered under the Affordable Care Act (Obamacare).
- Using Your Obamacare Health Insurance Plan - (Using Your Plan)
- Obamacare News - (News)

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Essential Benefits Under the Affordable Care Act

What do Affordable Care Act plans have to cover?

All ACA health insurance plans must include certain "essential benefits."

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Updated: 2020-07-13

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All health plans purchased through a state health insurance marketplace must include the following benefits. These are known under the Affordable Care Act as “essential health benefits”:

  • Ambulatory patient services (meaning outpatient care you receive without being admitted to a hospital)
  • Emergency services
  • Hospitalization (including surgery)
  • Maternity and newborn care
  • Mental health and substance use disorder services (including counseling and psychotherapy)
  • Prescription drugs
  • Rehabilitative and habilitative services and devices (for people with injuries, disabilities, or chronic conditions, to strengthen their mental and physical skills)
  • Lab services
  • Preventive and wellness services and chronic disease management
  • Pediatric services (including oral and vision care)

To learn more and find plans available where you live, choose your state or enter your zip code.