Aflac's insurance contracts do not meet the Patient Protection and Affordable Care Act's (ACA) requirement for minimum essential coverage, and they are not designed to meet any of the essential health benefit requirements mandated by the ACA or federal law, such as pediatric oral or vision care services. An individual who purchases an Aflac policy will be able to select an effective amount of medical coverage. However, under federal law, if an individual wants his or her insurer to cover a specific essential health benefit, he or she must allow the insurer to require proof of eligibility for that benefit. If an individual is found ineligible for that benefit, he or she can still keep his or her policy but would not be able to claim it provides essential health benefits. For more information on the ACA's essential health benefits requirement, see Healthcare.gov's page on the Essential Health Benefit Requirement. An Aflac representative said the company does not comment on ongoing litigation.