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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 canโ€™t set a dollar limit on what they spend on essential health benefits for your care during the entire time youโ€™re enrolled in that plan.

Yearly limits

Insurance companies canโ€™t 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 donโ€™t apply to grandfathered individual health plans. Check your planโ€™s 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.