What is one requirement for health plans to be offered on the Marketplace?

For health plans to be offered on the Marketplace, they must receive certification from the Department of Health and Human Services (HHS). This certification process ensures that the plans adhere to the standards established by the Affordable Care Act, including provisions related to essential health benefits, pricing transparency, and consumer protections. The certification signifies that these plans have been evaluated and meet the necessary criteria to be part of the Marketplace, which is designed to help individuals and families access affordable health insurance options.

The requirement for plans to be certified by HHS is critical in maintaining the integrity of the Marketplace and providing assurance to consumers that the coverage they are considering meets federal requirements. This establishes a baseline of quality and compliance with the ACA, which is essential for protecting public health and providing necessary health services to the population.

Other options do not accurately reflect the requirements for health plans in the Marketplace. For instance, unlimited coverage may not be a stipulation, and plans are typically not free, as they require premium payments. Additionally, while waiting periods for coverage are addressed under the ACA, the emphasis is on certification by HHS to ensure that plans align with health care reform goals.