ACA Health Insurance
Does ACA health insurance cover mental health?
ACA health insurance plans must cover mental health and substance use disorder services as an essential health benefit. Mental health coverage must be comparable to medical and surgical coverage (mental health parity). Coverage includes therapy, psychiatry, and substance use disorder treatment.
Key Points
- ACA plans must cover mental health and substance use disorder services
- Mental health parity: coverage must be comparable to medical and surgical coverage
- Coverage includes therapy, psychiatry, and substance use disorder treatment
- No annual or lifetime limits on mental health benefits
- An independent agent can help you find ACA plans with the best mental health coverage