Mental Health Coverage in US Health Insurance Plans | What’s Actually Covered

Mental health parity laws have revolutionized how insurance companies treat behavioral health. In 2026, mental health is no longer an "extra"—it's an essential component of every major plan.

The Parity Revolution

Under federal law, most health plans must provide mental health and substance use disorder benefits that are no more restrictive than those for medical and surgical care. This means your copays and visit limits for a therapist must be comparable to those for an orthopedist.

psychology Mental Wealth

2026 plans have significantly expanded 'Digital Mental Health' options, with many providing 24/7 access to counselors via mobile apps at no additional cost.