What is Minimum Essential Health Coverage?


The following plans and programs qualify as "minimum essential health coverage":

Employer-Sponsored Plans
  • Group Health Insurance Coverage for Employees

  • Self-Insured Health Coverage for Employees

  • COBRA Coverage

  • Retiree Coverage

Individual Plans
  • Health Insurance Coverage You Purchase Directly From an Insurance Company

  • Health Insurance Coverage You Purchase Through the Marketplace or State Exchange

  • Health Insurance Coverage Provided Through a Student Health Plan

Government-Sponsored Programs
  • Medicare Part A Coverage

  • Medicare Advantage Coverage (Medicare Part C)

  • Most Medicaid Coverage*

  • Most Children Health Insurance Plan (CHIP) Coverage*

  • Most Types of TRICARE PDF Coverage

  • Comprehensive Health Programs Offered By the Department of Veterans Affairs

  • Health Coverage Provided to Peace Corp Volunteers

  • Department of Defense Nonappropriated Fund Health Benefits Program

  • Refugee Medical Assistance

  • Coverage Through a Basic Health Program (BHP) Standard Health Plan

*Medicaid and CHIP programs that provide "limited benefits" generally do NOT qualify as minimum essential health coverage, however, you may qualify for a hardship exemption for certain types of limited-benefit Medicaid and CHIP coverage.


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