ACA Marketplace

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
• Breastfeeding
• Emergency services
• Family planning
• Hospitalization
• 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