To be eligible to enroll in health coverage through the Marketplace, you: Must live in the United States Must be a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses. Cannot be incarcerated in prison or jail Under the Affordable Care Act (ACA), you have special patient protection when you are insured through the Health Insurance Marketplace: Insurers cannot refuse coverage based on gender or a pre-existing condition. There are no lifetime or annual limits on coverage for essential health benefits. Young adults can stay on their family's insurance plan until age 26. The health insurance plans are offered by private companies but are all required to offer all essential health benefits, such as hospital care, outpatient services, emergency services, maternity care, mental health and substance abuse treatment, prescription drug coverage, lab services, and rehabilitative services.