The 2025 Notice of Benefit and Payment Parameters gave states the flexibility to require adult dental coverage beginning in plan year 2027. CHIR experts discuss Kentucky's decision to not add adult dental services as an essential health benefit and what recent federal law changes may mean for states considering coverage changes.| CHIRblog
The Affordable Care Act requires nearly all health plans to cover a wide range of free preventive health services including wide-ranging preventive care for everyone, preventive care for women and children, and vaccines for children and adults.| healthinsurance.org
Health insurance coverage for IVF and other fertility treatments varies from one state to another and from one health plan to another.| healthinsurance.org
All plans (whether Bronze, Silver, Gold or Platinum) must cover the same essential benefits, including free preventive care; they all provide comprehensive coverage. But plans with the lowest premiums (Bronze, and to a lesser extent, Silver) require you to pay a larger share of your health costs. This means that your co-pays and deductibles will be higher, and your maximum out-of-pocket will generally be higher as well.| healthinsurance.org
Nathan Wilkes is a Colorado father who came face-to-face with the realities of lifetime maximum benefits on health insurance policies before the ACA eliminated them. His family exhausted their benefits on a private policy as well as CoverColorado, the state's high risk pool. Both policies had $1 million lifetime maximums, and Nathan's son Thomas has severe hemophilia that can cost that much in a year.| healthinsurance.org