Got hemorrhoids? Now it's up to the government to decide whether your insurance company will cover it.

Even as House Republicans vow to repeal the health care law, government advisers are preparing this week to wade into one of the most contentious questions the legislation raises: What benefits must insurers cover?

The answer will affect tens of millions of Americans beginning in 2014: those who buy their own insurance and those who get coverage through small employers.

The Obama administration faces a tough balancing act: The benefits package must be broad enough to be comprehensive but not so broad as to be unaffordable. Patient advocates and industry lobbyists are drawing up wish lists for items they want covered, including autism therapy, obesity treatments, infertility treatments and unlimited chemotherapy visits.

"This is an invitation for all kinds of lobbying from every conceivable disease group and provider group in the country," said Joe Antos, an economist at the conservative American Enterprise Institute, a research center in Washington.