### Human:\ndo all plans have to cover the 10 essential health benefits or just the new plans under obamacare?\n\n### Assistant: the essential health benefit provision applies to all plans sold on the marketplace or in the small employer and individual market. plans that are considered "grandfathered" - meaning they have not made substantial changes since the aca was passed - do not have to cover the essential health benefits. the majority of plans are not considered grandfathered however.