Consumer protections

The Affordable Care Act mandated certain requirements to extend protections to healthcare consumers. These protections include preventing insurers from denying coverage to patients with pre-existing conditions, phasing out lifetime caps on coverage, allowing children to stay on their parents plan up to the age of 26 and mandating coverage on 10 essential health benefits like maternity and mental health coverage. A plan must meet these requirements to be compliant with the ACA, but non-ACA compliant plans may not provide some or all of these protections.