POL California Life: The Insurance Marketplace Practice Test

The Marketplace addresses mental health services by requiring coverage for mental health and substance use disorder services as essential health benefits. This requirement is part of the Affordable Care Act (ACA), which ensures that mental health and substance use disorder services are included in the health plans sold through the Marketplace. This provision is crucial because it recognizes the importance of mental health in overall well-being and mandates that these services are treated on par with physical health services.

By designating these services as essential health benefits, the Marketplace helps to ensure that individuals have access to necessary care without facing exorbitant costs or limited coverage. This approach aims to reduce stigma around seeking mental health treatment and promotes comprehensive care that encompasses both physical and mental health needs. As a result, individuals can receive timely and necessary treatment for mental health challenges, which is a significant step towards improving public health.