Your health history
A Marketplace plan cannot reject you or charge more because of a medical condition you already have. Treatment for pre-existing conditions is covered under the plan’s terms once coverage begins.
What essential benefits mean
Marketplace plans include essential health benefit categories, such as prescription drugs, hospital care, and maternity care. Specific services can differ by state and plan. Adult dental and vision coverage are not required essential health benefits, although some plans offer them.
Read the details
Marketplace plans cannot place annual or lifetime dollar limits on essential health benefits. That protection does not remove deductibles, copayments, or other coverage rules. Check the services you expect to use and ask the insurer about anything unclear.
This guide is general education. Your own coverage decisions call for a review of your needs, eligibility, and available options.