Affordable Care Act (ACA) & Obamacare

Health Insurance

Major Medical Health Insurance Policy that conforms to the regulations set forth in the Affordable Care Act (Obamacare).

These types of plans are required to be ACA-Compliant with ACA's individual mandates. All plans must cover ten essential health benefits:

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Pregnancy, maternity, and newborn care (both before and after birth)
  • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
  • Prescription drugs
  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care (but adult dental and vision coverage aren't essential health benefits)

A Major Medical Health Insurance plan that has these base benefits are offered through private health insurance participating ACA Companies. 

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