What must Health Insurance Marketplace plans provide coverage for?

Health Insurance Marketplace plans are required to provide coverage for a range of essential health benefits, which include preventive services without cost sharing. This means that individuals enrolled in these plans can access preventive services such as vaccinations, screenings, and annual check-ups without having to pay out-of-pocket costs, such as copayments or deductibles.

The requirement for providing preventive services without cost sharing is significant because it encourages individuals to seek necessary preventive care, ultimately contributing to better health outcomes and reducing overall healthcare costs. Preventive services are crucial in identifying health issues early on when they are more manageable and treatable.

In contrast, the other answer options are limited in their scope of coverage or focus. For example, prescription medication is only one aspect of healthcare and not the comprehensive requirement that the correct answer embodies. Inpatient care, while important, does not encompass the full range of necessary services that Marketplace plans must include, and limiting coverage solely to mental health services overlooks the broader mandate for comprehensive healthcare coverage. Therefore, the focus on preventive services underscores the commitment of the Health Insurance Marketplace to promote holistic and accessible healthcare for all enrollees.