What is considered to be minimum essential coverage?

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Individuals are responsible for ensuring that they, and any dependents, have minimum essential coverage. Coverage from any of the following would be considered minimum essential coverage:

  • Government-sponsored programs including: Medicare, Medicaid, Children’s Health Insurance Program coverage, TRICARE, coverage through Veterans Affairs, and Health Care for Peace Corps volunteers
  • Employer-sponsored plans, including continued coverage under COBRA or similar state laws, retiree plans, grandfathered plans and other plans offered in the small or large group market
  • Individual market plans
  • Student health insurance plans 
  • Other coverage designated as minimum essential coverage by the Department of Health & Human Services and/or the Treasury
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