What are the ten essential health benefits covered by all ACA plans in 2026?

All ACA plans must include ten essential health benefits. These benefits cover care you’ll likely need, such as doctor visits, hospital stays, emergency services, prescription drugs, maternity and newborn care, mental health services, lab tests, pediatric services (including dental and vision), rehabilitation services, and preventive care like vaccinations and screenings. Knowing these basics helps you understand what’s included no matter which plan you choose.

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