What type of coverage is generally provided under FFM plans?

The choice of comprehensive health insurance coverage as the correct answer reflects the fundamental purpose of plans offered through the Federally-facilitated Marketplace (FFM). FFM plans are designed to provide a broad range of healthcare services, which include not only emergency care but also preventive care, hospitalization, prescription drugs, maternity and newborn care, mental health services, and more.

These plans are structured to ensure that individuals have access to essential health benefits and preventive services that promote overall well-being and manage health conditions effectively. They are compliant with the Affordable Care Act (ACA), which mandates that plans sold in the marketplace cover a comprehensive set of categories known as essential health benefits (EHBs).

This comprehensive approach differs significantly from options that suggest limited coverage, such as emergency care only or coverage restricted to specific illnesses, as comprehensive plans are meant to support a wide array of healthcare needs throughout an individual’s life. Additionally, while there are plans with high deductibles available in the FFM, the focus is on providing comprehensive coverage to ensure individuals can receive necessary care without excessive out-of-pocket costs.