The 2010 reform law makes some changes to the standards for benchmark plans. A key requirement is coverage of "essential health benefits"—those that must be provided to people who sign up for health insurance exchanges or for coverage in the individual or small-group insurance market beginning in 2014. The HHS Secretary has not yet defined these benefits in detail; however, federal rules mandate inclusion of ambulatory services, emergency services, hospitalization, maternity and newborn care, mental health and substance abuse treatment services, prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventive and wellness services and chronic disease management, and pediatric services, including dental and vision care. In addition, certain groups are exempt from mandatory enrollment in benchmark plans—among them are persons who qualify for Medicaid because of disability and those who are dually eligible for Medicaid and Medicare. As noted in the Kaiser brief, a large portion of the newly eligible adults are expected to be exempt, because of the relatively high prevalence of serious health conditions among adults with very low incomes.