https://clearforkacademy.com/insurance-for-teen-rehab-texas/how-much-does-rehab-cost-with-insurance-for-teens/Think "covered" means free? A 2026 Marketplace plan can cap your out-of-pocket at $10,600, but that number hides deductibles, coinsurance, and prior authorization rules that could leave you owing far more for teen rehab - unless you know how to appeal.