Essential Health Benefits

These benefits include the types of care you need to prevent and treat sickness. They do not include elective and “non-essential treatments.” 

Essential Health Benefits are minimum requirements for all individual health insurance plans. They cannot be subject to an annual or lifetime dollar limit. 
 
Certain Essential Health Benefits, such as specific preventive services and annual wellness visits, are fully covered without out-of-pocket costs like copays or coinsurance. Once you meet your out-of-pocket maximum, all plans pay 100% for covered in-network Essential Health Benefits beyond the specific preventive services noted above.

A full list of Essential Benefits under the ACA with descriptions is provided here.
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