What are essential health benefits?

Essential health benefits refer to a set of core healthcare service categories that must be covered by certain health insurance plans, specifically those sold on the Health Insurance Marketplace under the Affordable Care Act (ACA). These benefits encompass a comprehensive range of services, including, but not limited to, emergency services, maternity care, mental health services, and preventive care.

This requirement ensures that individuals have access to key healthcare services without facing excessive costs out-of-pocket. By mandating the inclusion of these essential health benefits, the ACA aims to provide a baseline level of coverage for consumers, promoting better overall health outcomes and financial protection.