Health insurance helps pay costs when you need care

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance helps pay for these costs and protects you from very high expenses.

The Affordable Care Act (ACA) requires most types of health coverage to offer Essential Health Benefits (EHBs), including:

  • Ambulatory patient services (e.g., doctor and clinic visits)
  • Emergency services (e.g., ambulance, first aid, and rescue squad)
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices (e.g., therapy sessions, wheelchairs, oxygen)
  • Laboratory services
  • Preventive and wellness services and chronic disease management (e.g., blood pressure screening, immunizations)
  • Pediatric services, including dental and vision care