Essential Health Benefits

Understanding Essential Health Benefits in ACA Plans | Aura Insure Glossary

Essential Health Benefits (EHBs) are a set of ten categories of services that health insurance plans must cover under the Affordable Care Act. These benefits ensure that plans provide comprehensive coverage to consumers.

Key Points:

• All Marketplace plans must cover these ten essential health benefits.

• Categories include outpatient care, emergency services, hospitalization, maternity and newborn care, mental health services, prescription drugs, rehabilitative services, laboratory services, preventive care, and pediatric services.

• Specific services within these categories can vary based on state requirements.

Example: If you're pregnant, your ACA-compliant health plan must cover your prenatal care, childbirth, and newborn baby care as these fall under the essential health benefits.

At Aura Insure, we’re here to help you understand all aspects of your health plan, including how out-of-pocket maximums impact your coverage. Contact us today to learn more about finding the right plan for your needs and budget.