Direct answer
ACA-compliant health insurance must cover ten essential health benefits, including emergency services, maternity care, prescription drugs, and mental health services. It depends on your specific plan tier as to how much of the coinsurance or deductible you are responsible for paying out-of-pocket.
Federal guidelines from the Centers for Medicare & Medicaid Services regarding essential health benefits. For additional information about these requirements, see the Centers for Medicare & Medicaid Services official website.
What this means for you
ACA-compliant health insurance must cover ten essential health benefits, including emergency services, maternity care, prescription drugs, and mental health services. It depends on your specific plan tier as to how much of the coinsurance or deductible you are responsible for paying out-of-pocket.
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