Not Eligible for the Subsidies? 5 Tips for Buying Individual Health Insurance
Under the ACA, all health insurance plans must cover a set of 10 essential health benefits. If your plan does not cover all ten, you will likely need to change your policy in order to be compliant with the law. The ten essential health benefits are:
- Ambulatory patient services
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care
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