The National Directory of Certified Public Accountants

Ask A CPA - Affordable Care Act - Individuals

Do Marketplace Insurance Plans Cover Mental Health And Substance Abuse Services?

Yes. All Marketplace insurance plans cover mental health and substance abuse services as an essential health benefit. Mental and behavioral health services are essential health benefits. Health insurance plans available in the Marketplace must cover 10 categories of essential health benefits. One of these categories is mental health and substance abuse services. (Substance abuse is also known as substance use disorder. These services include behavioral health treatment, such as psychotherapy and counseling. They also include mental and behavioral health inpatient services and substance use disorder treatment. Your specific behavioral health benefits will depend on the state you live in and the particular health plan you choose. You’ll see a full list of what each plan covers when you compare plans in the Health Insurance Marketplace.

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