Minimum Essential Coverage (MEC)

Any health insurance that meets the Affordable Care Act requirement for having coverage. If you have minimum essential coverage, you don’t have to pay the fee for being uninsured.

Examples of minimum essential coverage include:

  • Health Insurance Marketplace plans
  • Job-based plans
  • Most individual plans bought outside the Marketplace
  • Plans sold through the Small Business Health Insurance Program (SHOP) Marketplace
  • Medicare
  • Medicaid
  • The Children's Health Insurance Program (CHIP)
  • TRICARE
  • COBRA

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