What if I Don't Need All of the Benefits in a Plan?

No

You can’t take benefits out of a plan.

At a minimum, every health plan on the Health Insurance Marketplace must provide coverage for all of the essential health benefits the Affordable Care Act (ACA) requires.

• Even though you may not need every benefit in a plan, plans must cover all the essential benefits to share risk across a broad pool of consumers. This makes sure all benefits are available for everyone.

• This also helps to protect people from risks they can’t always predict across their lifetimes.

This article is published on KansasMoney.gov. Find more information by contacting these state agencies:

Kansas Insurance Department
https://www.ksinsurance.org/
785-296-3071