 [ Symptoms ] does the new insurance cover psychotherapy and diagnosis for asperger is syndrome  i am currently a female individual health net ppo member in san mateo county of ca and must pay out of pocket 104 00 per session for my therapy health net ppo will not start to cover my expenses until i have paid a 4500 00 deductible for the calendar year since i am currently unemployed this places a financial hardship on me please advise thank you [ Disease ] mental health services must be a covered benefit in all new health plans sold on the individual insurance market for plans that start january 1 2014 that is a requirement of the affordable care act if you are currently not working i recommend you begin shopping for health plans through your state is health insurance marketplace which opened for business on october 1st without an income you will no doubt qualify for subsidies that are likely to lower the cost of your health insurance coverage and lower deductibles and other out of pocket costs just keep in mind these plans will not take effect until january 1 2014