When the Obama administration set initial rules last December to determine what minimum benefits insurers must offer in plans sold to individuals and small groups starting in 2014, one provision stood out: Insurers selling small group and individual policies would have to provide at least one drug per class of drug. In other words, insurers could cover just one drug for cholesterol, one for high blood pressure or one drug for attention deficit disorder.
However, this is an area where states determine the minimum benefit and the concern of a real problem is diminishing as explained here: States Requiring Broader Choice Of Drugs Than Skimpy Federal Limit
Still, this seems like less coverage than is available in most true major medical plans today.