What type of health insurance policies and plans are required to provide mental health benefits?
What type of health insurance policies and plans are required to provide mental health benefits?
MHPAEA protections extend to most health plans, including self-insured and fully insured:
- Individual health plans issued on and off the Health Insurance Marketplace
- Large group health plans, including private and public-sector employers with more than 50 employees (certain self-insured governmental plans may opt-out).
The Patient Protection and Affordable Care Act (ACA) requires small group plans to provide mental health/substance use disorder benefits. Any plan that offers mental health/substance use disorder coverage must comply with MHPAEA.