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What ACA plans cover
The Affordable Care Act (ACA), sometimes called Obamacare, refers to the federal legislation designed to make health insurance more affordable. All Affordable Care Act plans must include these 10 essential health benefits:
Prescription drugs
Medications prescribed by a doctor for treatment or prevention
Preventive and wellness services
A set of services and screenings are covered, including chronic disease management
Pregnancy, maternity and newborn care
Care through the course of a pregnancy, delivery and post-natal care
Pediatric services
Children's medical care, including dental and vision care
Hospitalization
Treatment at a hospital including surgeries or overnight stays
Ambulatory patient services
Care you receive without being admitted to the hospital
Rehabilitation services
Services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills
Mental health and addiction services
Mental health services, including substance abuse disorder services and behavioral health treatment
Emergency services
Treatment at a hospital emergency room for urgent medical issues
Laboratory services
Routine tests ordered by a doctor for diagnosis and treatment
ACA features
You may qualify for subsidies that can reduce your premiums, depending on your household size, income, and geographical location
Plans cannot exclude you for having a pre-existing condition, such as a chronic disease
A variety of health insurance plans from recognized carriers are available in your area
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