Vision Coverage

Vision coverage is a health benefit that helps pay for eye care services — including eye exams, prescription eyeglasses, and contact lenses. Like dental, adult vision coverage is not an Essential Health Benefit under the ACA and is generally not included in standard health insurance plans for adults. Pediatric vision, however, is required.

On the ACA Marketplace:

Pediatric vision: Required as an Essential Health Benefit on all ACA Marketplace plans. Covers one comprehensive eye exam per year and a pair of eyeglasses or contact lenses annually for children under 19.
Adult vision: Not required. Must be purchased as a standalone vision plan or as an add-on to a health or dental plan.

Standalone vision plans are typically very affordable — often $10–$20/month — and cover:

One annual comprehensive eye exam (usually fully covered or with a small copay)
Allowances toward frames or contacts (typically $100–$200 per year)
Discounts on lens upgrades (anti-glare, progressive lenses, etc.)

If you wear glasses or contacts, a standalone vision plan almost always pays for itself within the first year.

Frequently Asked Questions

Is vision included in my health insurance?

Pediatric vision is required on your health plan as an Essential Health Benefit. Adult vision is not included in your health plan unless you added a separate vision plan or rider. Check your plan’s Summary of Benefits to confirm — if you need glasses and the SBC doesn’t mention adult vision coverage, you likely need a standalone plan.

Does vision insurance cover all glasses costs?

Typically not in full. Standard vision plans cover a comprehensive eye exam and a basic pair of glasses or contacts within the coverage allowance. If you need premium frames, progressive lenses, or specialty contact lenses, you’ll typically pay the difference above your allowance. Some vision plans offer discount pricing on upgrades above the covered amount.

Could we improve this page?

Leave Feedback