This answer comes closest to describing U.S. requirements. Under the Affordable Care Act health plans in the individual and small group markets must cover essential health benefits (EHB), which include items and services in the following ten benefit categories: (1) ambulatory patient services; (2) emergency services; (3) hospitalization; (4) maternity and newborn care; (5) mental health and substance use disorder services including behavioral health treatment; (6) prescription drugs; (7) rehabilitative and habilitative services and devices; (8) laboratory services; (9) preventive and wellness services and chronic disease management; and (10) pediatric services, including oral and vision care. Taken together they must reflect benefits covered in a ''typical employer plan.'' This specific requirement does not apply to large group and self-insured plans ( 64% of covered workers are in plans that are either fully or partially self-funded plans, including 82% of covered workers at large companies https://www.ebri.org/docs/default-source/ebri-issue-brief/ebri_ib_566_selfinsurance-25aug22.pdf?sfvrsn=fe43382f_2 . However, these firms typically cover the services that are deemed ''essential health benefits.''