Through the Marketplace, you may be eligible for private health insurance with savings based on your income. Insurance plans cover essential health benefits, pre-existing conditions and preventive care.

Essential health benefits include at least the following items and services:

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (such as surgery)
  • Pregnancy, maternity, and newborn care (care before and after your baby is born)
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services

No insurer can reject you, charge you more or refuse to pay for essential health benefits for any medical condition you had before your coverage started, known as a pre-existing condition. Most people who apply through the Marketplace qualify for premium tax credits and savings on out-of-pocket costs based on household size and income.