10 Essential Health Benefits in Marketplace Insurance Coverage 2024

If you don’t have coverage through your employer, you may have heard about the health insurance marketplace. This is known as ACA or Affordable Care Act and Obamacare. These plans are required to have these 10 coverages, at a minimum so that you can have some peace of mind when selecting even the lowest premium plan available.

Here are those 10 Essential Health Benefits:

1. Ambulatory patient services

2. Emergency Services

3. Hospitalization (surgery and overnight stays)

4. Pregnancy, maternity, and newborn care (both before and after birth)

5. Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)

6. Prescription drugs

7. Rehabilitative and habilitative services and devices

8. Laboratory services

9. Preventive services and chronic disease management

10. Pediatric services, including oral and vision care

Additionally, birth control coverage and breastfeeding coverage must be included.

So what does this mean?

This means that no matter what plan you select in the marketplace, you can be sure you have coverage for these services. This does NOT mean all these services will be free, you will still be required to pay deductibles, copayments, and out-of-pocket costs. It still will give you some peace knowing that you won’t have to pay full price compared to being uninsured.

It is important to select the plan that gives you the most protection based on your health. We know this can be a struggle, this is why we got our health insurance license so we can help you! Contact us today and we can provide you a quote with the best plan accordingly for you and your family.