Under the ACA, insurance plans must accept all applicants during open enrollment and allow parents to include their children on their plans up to age 26. Insurance companies also can not limit benefits or charge a higher premium (except in the case of tobacco use). And all plans must provide 10 essential services: Preventive and wellness visits, Maternity and newborn care, Mental and behavioral health treatment, Services and devices to help people with injuries, disabilities, or chronic conditions, Lab tests, Pediatric care, Prescription drugs, Outpatient care, Emergency room services and Hospitalization.