The 10 Essential Health Benefits Every ACA Plan Covers

Updated 2025-09-16

The required 10

Every ACA plan must cover: ambulatory, emergency, hospitalization, maternity/newborn, mental health/substance use, prescription drugs, rehabilitative/habilitative services, lab services, preventive/chronic disease management, and pediatric services.

Know the fine print

Coverage is standardized at a high level, but details vary: formularies, rehab visit limits, and network participation can differ by plan. We read the fine print.

Need help deciding? True North Roots can compare plans, estimate your subsidy, and enroll you at no cost.

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