ACA Marketplace

baker advantage

Essential Health Benefits

All ACA-compliant health insurance plans—including every plan that’s sold on the Health Insurance Marketplace—must cover specific “essential health benefits” including:
Ambulatory patient services
Emergency services
Family planning
Laboratory services
Mental health and substance use disorder services
Pregnancy, maternity, and newborn care
Prescription medications
Preventive and wellness services and chronic disease management
Pediatric services
Rehabilitative and habilitative service
Every year, there is an open enrollment period on the Health Insurance Marketplace during which people can buy or switch insurance plans. If you miss this time, you cannot enroll until the following year unless you qualify for a special enrollment period because your circumstances change–for example, you marry, divorce, become a parent or lose a job that provided health insurance coverage