Covered California Certified Enroller Practice Exam

Are vision plans considered qualified health plans?

1. Yes

2. No, they are not

3. Only some are

4. Yes, but only for children

The correct answer is: No, they are not

Vision plans are not classified as qualified health plans. In the context of the Affordable Care Act (ACA), a qualified health plan (QHP) refers to a health insurance plan that meets specific requirements outlined by the ACA, such as covering essential health benefits, including but not limited to hospitalization, prescription drugs, and preventive services. Vision plans, while they may cover eye exams, glasses, and contact lenses, do not provide the comprehensive coverage of essential health benefits required for QHP status. They serve as standalone plans and primarily focus on vision-related services. Additionally, coverage for vision needs can be packaged with health insurance, but it does not independently qualify as a QHP. This distinction is important for consumers to understand when selecting their health insurance options, as it impacts the types of coverage and services available to them.