Which of the following are considered essential health benefits under the Affordable Care Act (ACA)?

Under the Affordable Care Act (ACA), essential health benefits are a set of health care service categories that must be covered by certain health plans. These benefits include a range of necessary services that support the health and well-being of individuals. Emergency services and maternity care are included in this list, demonstrating their critical role in protecting individuals' health.

Emergency services are essential because they provide immediate care for acute conditions, ensuring that individuals have access to necessary medical treatment without financial barriers. Maternity care is also fundamental, as it encompasses the complete spectrum of pregnancy-related care, ensuring the health of both the mother and the newborn.

In contrast, options that suggest coverage for luxury or elective procedures are not considered essential. Preventive services, while important, are only one part of a broader set of necessary health benefits, and cosmetic procedures are generally not covered since they do not address fundamental health needs. This distinction helps clarify why emergency services and maternity care qualify as essential health benefits under the ACA.