Minimum Essential Coverage (MEC)
Any insurance that meets the Affordable Care Act requirement for having health coverage. If you have MEC, you don’t have to pay the fee for being uninsured. Examples include: Health Insurance Marketplace plans; most individual plans bought outside the Marketplace; job-based insurance, including SHOP plans; Medicare; Medicaid; CHIP; TRICARE; COBRA, and certain other coverage.
- See all plan types that qualify as minimum essential coverage
- Learn about the fee for not having coverage