Which of the following is a requirement for insurance plans under the ACA?

Under the Affordable Care Act (ACA), one of the pivotal requirements is the concept of guaranteed issue for health insurance policies. This means that insurers are required to offer health insurance to all applicants, regardless of their health status or pre-existing conditions. This was a significant change from previous practices where individuals with health issues could be denied coverage or charged exorbitant premiums.

The guaranteed issue requirement ensures that individuals cannot be refused coverage based on factors such as medical history, age, gender, or any other discriminatory practices. This provision was designed to increase access to healthcare and prevent insurers from excluding those who may need it most, thereby promoting broader and more equitable health coverage across the population.

The other options do not align with the ACA's requirements. For instance, high deductibles are not mandated, nor is there a stipulation for insurers to exclude coverage for children’s medical needs. Furthermore, the ACA emphasizes the importance of providing essential health benefits, often including emergency services without unnecessary exclusions. Thus, guaranteed issue stands out as a fundamental element of the ACA's goals of expanding coverage and protecting consumers.