Essential Health Benefits impact insurance coverage by setting a standard for what health plans must cover. This ensures that individuals have access to a comprehensive range of services, such as outpatient care, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative services, laboratory services, preventive and wellness services, and pediatric services. This standardization helps prevent gaps in coverage and ensures a minimum level of care for those insured.