Essential Health Benefits

Essential Health Benefits – 2025 ACA Health Insurance Coverage

Get a Free Quote and Compare Plans Instantly.

Essential Health Benefits (EHB) are the minimum coverage requirements for ACA health plans in 2025, ensuring access to essential medical services like hospitalization, emergency care, mental health support, and preventive services.

Request Quote

What Are Essential Health Benefits?

Essential Health Benefits are the minimum coverage requirements for all Marketplace health plans. While plans may offer additional benefits, every plan must include the following:

Essential Health Benefits Include:

Ambulatory Patient Services – Outpatient care without hospital admission.
Emergency Services – Coverage for urgent medical situations.
Hospitalization – Inpatient care, surgeries, and overnight stays.
Maternity & Newborn Care – Prenatal, delivery, and postnatal care.
Mental Health & Substance Use Disorder Services – Including behavioral health treatment, counseling, and therapy.
Prescription Drugs – Coverage for necessary medications.
Rehabilitative & Habilitative Services and Devices – Support for injuries, disabilities, and chronic conditions to regain or improve abilities.
Laboratory Services – Diagnostic tests and screenings.
Preventive & Wellness Services & Chronic Disease Management – Preventive care, vaccinations, and disease management programs.
Pediatric Services – Including dental and vision care for children.

All Essential Health Benefits must be covered with no annual limits or lifetime maximums under the ACA.

Are you a resident of Texas, Nevada, Illinois, or Mississippi? Understanding ACA Essential Health Insurance Benefits is crucial. O’Neal Insurance Group offers free assistance to residents of Las Vegas, NV, and Chicago, IL, providing expert guidance in comparing, selecting, enrolling, and joining various insurance plans. We help with coverage for Cancer, ESRD, Stroke, Heart Attack, Medigap, and Critical Illness Insurance in Texas, Nevada, Illinois, and Mississippi.

Whether you need Original Medicare (Part A, Part B, Part C, Part D) or Medicare Advantage plans from AARP, Aetna, BlueCross BlueShield, Cigna, Clover, Devoted Health, Essence HealthCare, Humana, Kaiser Permanente, UnitedHealthcare, WellCare, or Zing Health, we are here to assist. We also support individuals and families under 65 with ACA Health Insurance Coverage, including Dental, Life, and Part D Prescription Drug Plans. If you need Part C, HMO, POS, SNP, DSNP, CSNP, or PPO coverage, we can help.

Our services extend across Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Michigan, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin. We provide essential policies for Cancer, Stroke, Heart Attack, and End-Stage Renal Disease, ensuring you find coverage that meets your needs.

O'Neal Insurance Group

Las Vegas NV Chicago IL Medicare Health Plan Specialist Insurance Broker Agency

O’Neal Insurance Group is your local Las Vegas, Nevada, Individual and Family ACA, Obamacare, Dental, Vision, Hospital Indemnity, Critical Illness, ESRD, Cancer insurance, and Medicare health plan specialist broker agency with over 38 years of healthcare experience, licensed and certified, serving over 30 States, including Chicago, Illinois. We provide personal guidance in helping you compare, enroll, and educate you on all your individual and family healthcare options, including Medigap, Med Supplements, Medicare Advantage, and Part D Plan options. You can quote, compare, and enroll online 24 hours a day, 7 days a week, without the help of a pushy salesman at any time from the convenience of your home or office. You can also schedule a phone appointment, one-on-one and online, or a Mobile screen-sharing appointment at a convenient time.

3960 Howard Hughes Parkway
Suite 500 PMB 1939
Las VegasNevada 89169

(702) 763-8924

5113 S. Harper Ave
ChicagoIllinois 60615

(312) 348-7209

2953 Bienville Blvd # 303
Ocean SpringsMississippi 39564

(228) 641-2323

6068 US-98 #1 Suite 228
HattiesburgMississippi 39402

(601) 773-3933

We do not offer all plans available in your area. The information provided is limited to the plans we do offer. For a complete list of options, visit Medicare.gov or call 1-800-MEDICARE. This is a solicitation for insurance.