Under the Affordable Care Act, which category of health services must fully insured plans cover at no cost to the patient — meaning no co-pay, co-insurance, or deductible?

The ACA requires non-grandfathered health plans to cover preventive services with an A or B grade from the U.S. Preventive Services Task Force with no cost-sharing. This includes screenings like mammograms, colonoscopies, blood pressure checks, well-child visits, and vaccinations on the recommended schedule. These services must be provided at zero cost when delivered by an in-network provider. In 2023, a court ruling briefly challenged some of these requirements, but most major insurers have continued covering them.