Are preventive services covered at no cost-sharing in ACA plans?

• A. Yes, preventive services are covered with no out-of-pocket costs when using in-network providers.
• B. No, preventive services always require copays.
• C. Yes, preventive services are only covered for plan year 1.
• D. Yes, but only if the plan is Bronze.

Answer: (A)

Preventive services in ACA plans are covered with no out-of-pocket costs when you receive them from an in-network provider. This means you don’t pay a deductible, copay, or coinsurance for services that are designated as preventive by federal guidelines (such as age-appropriate screenings, vaccines, and counseling) as long as you stay in-network and the service is on the plan’s preventive list. If you go out of network, cost-sharing can apply, and not all services may be covered as preventive. The no-cost rule isn’t tied to plan year or metal level; it’s about in-network preventive care being provided.