Health insurance rights & protections
Ending lifetime & yearly limits
The health care law stops insurance companies from limiting yearly or lifetime coverage expenses for
.
Lifetime limits
Insurance companies canât set a dollar limit on what they spend on essential health benefits for your care during the entire time youâre enrolled in that plan.
Yearly limits
Insurance companies canât set a yearly dollar limit on what they spend for your coverage.
Does this apply to my plan?
Protections against lifetime limits on coverage apply to all individual and job-based health plans, including grandfathered plans.
Protections against annual limits apply to most health plans, but they donât apply to grandfathered individual health plans. Check your planâs materials to find out if your health plan is grandfathered.
Are there any exceptions I should know about?
Insurance companies can still put yearly or lifetime dollar limits on spending for health care services that aren't considered essential health benefits.