Qualified health plan (QHP)

A qualified health plan is an insurance plan that meets your state's standards for covering basic health needs. Every health plan on your state's Marketplace has to be a qualified health plan. These are some requirements a QHP must meet:

  • Covers essential health benefits such as doctors’ visits and emergency care
  • Limits how much you have to spend on deductibles, copays, and other out-of-pocket health care expenses
  • Includes a reasonable number of providers in its network, which is decided by your state
  • Meets other requirements of the Affordable Care Act.


WebMD Medical Reference Reviewed by Sarah Goodell on June 19, 2019
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