You are ignorant. Obamacare mandated ALL policies to cover things that I may not need. I could buy a cheaper policy with my basic needs covered but instead each policy became a monstrous document of coverage the jacked up costs astronomically
See if you can wrap your limited capacity to understand around this.
ACA Required Coverage Mandates
According to the search results, the Affordable Care Act (ACA) mandated that all policies cover a list of “essential health benefits” (EHBs). These EHBs include:
- Ambulatory patient services
- Emergency services
- Hospitalization
- Maternity and newborn care
- 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, including chronic disease management
- Pediatric services, including oral and vision care
Additionally, the ACA prohibited annual and lifetime coverage caps on essential benefits, and insurers were forbidden from dropping policyholders when they become ill.
The ACA also required qualified health plans (QHPs) to cover certain preventive services without cost-sharing, including:
- Well-woman visits
- Breastfeeding support and counseling
- Contraceptives and sterilization
- HPV and other sexually transmitted infections (STI) testing and counseling
- Tobacco use cessation counseling and medications
- Colorectal cancer screening
- Mammography and other cancer screenings
- Immunizations and vaccinations
These mandates aimed to ensure that all policies provide comprehensive coverage and promote early intervention and prevention of costly illnesses.
Source: Brave AI