true or all of the 10 essential benefits are offered cost-free to insured people.

The statement is false. While ACA-mandated essential health benefits (EHBs) must be covered by most market plans, they are not necessarily offered cost- free. Plans may require cost-sharing such as copays, deductibles, coinsurance, and out-of-pocket maximums for various EHB services, depending on the specific plan design and the insurer. Some preventive services may be covered at no cost when delivered according to guidelines, but many other EHBs involve some out-of-pocket costs for insured individuals.