The 10 Essential Benefits: What Your Plan MUST Cover by Law.

One of the greatest victories of the Affordable Care Act (ACA) is the list of 10 Essential Health Benefits. In 2026, all Marketplace plans are legally required to cover services such as hospitalization, emergency care, outpatient services, and prescription drugs. Furthermore, mental health and substance abuse treatments now hold the same level of importance as physical health, ensuring that access to therapy and psychological support is a reality for all insured members.