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)

Major Medical Health Insurance plans that have these base benefits are offered through private health insurance participating ACA companies.