ACA Health Insurance
Does ACA health insurance cover prescription drugs?
ACA health insurance plans must cover prescription drugs as an essential health benefit. Plans must cover at least one drug in each category and class of the USP drug classification system. Plans organize drugs into tiers with different cost-sharing. Generic drugs are typically in the lowest tier.
Key Points
- ACA plans must cover prescription drugs
- Plans must cover at least one drug in each category and class
- Drugs organized into tiers with different cost-sharing
- Generic drugs: typically in lowest tier with lowest cost-sharing
- An independent agent can help you compare ACA plans based on your specific medications