Which of the following is certified by Georgia Access to meet the Essential Health Benefits under the Affordable Care Act (ACA)?

Qualified Health Plans (QHPs) are certified by Georgia Access to meet the Essential Health Benefits outlined in the Affordable Care Act (ACA). QHPs are designed to provide comprehensive coverage that includes key health benefits such as hospitalization, prescription drugs, maternity care, mental health services, and preventive care, among others. These plans are made available through the Health Insurance Marketplace and must adhere to specific standards set by the ACA to ensure that they provide sufficient coverage to meet the health care needs of individuals.

In contrast, short-term health insurance plans are generally not designed to cover the comprehensive set of benefits required by the ACA, and they often include significant limitations and exclusions. Medicare Advantage plans cater specifically to Medicare beneficiaries and, although they provide essential services, they are not classified as QHPs. Employer-sponsored insurance plans vary widely in coverage and may or may not meet the ACA's essential benefits requirements, depending on the plan design. Therefore, QHPs stand out as the certified option that guarantees compliance with the ACA's essential health benefits framework.