Insurance Costs

The Affordable Care Act provides you with new ways to hold insurance companies accountable and keep your costs down.  These changes can help you get the most out of your health insurance.

Value for Your Premium Dollar

The health care law limits how much of your premium dollar your insurer can spend on things other than providing and improving the quality of your health care.  

Lifetime and Annual Limits

Lifetime limits on most benefits are banned for all new health insurance plans. Annual limits on your health benefits are now restricted and will be phased out by 2014.

Flexible Spending Account Changes

If you have a flexible spending account, health savings account, or health reimbursement account, here are some important changes you should know about.

Rate Review

Rate Review helps protect families and small businesses from unreasonable rate increases. Insurance companies must now justify any rate increase of 10% or more.

If you have questions about insurance costs and payments, visit the Get Help Using Insurance section. View company profiles to learn more about your insurance company. Use our interactive FAQ tool at answers.healthcare.gov to find answers to your questions about health care and insurance.