Lifetime & Annual Limits

The Affordable Care Act prohibits health plans from putting annual or lifetime dollar limits on most benefits you receive.

Lifetime Limits

Thanks to the Affordable Care Act, lifetime limits on most benefits are prohibited in any health plan or insurance policy. Previously, many plans set a lifetime limit — a dollar limit on what they would spend for your covered benefits during the entire time you were enrolled in that plan. You were required to pay the cost of all care exceeding those limits.

Annual Limits

The Affordable Care Act bans annual dollar limits that all job-related plans and individual health insurance plans can put on most covered health benefits. Before the health care law, many health plans set an annual limit — a dollar limit on their yearly spending for your covered benefits. You were required to pay the cost of all care exceeding those limits.

Exceptions

For More Information

Content last reviewed on December 5, 2014