Your health insurance plan cannot limit how much it will pay for essential health benefits. Essential health benefits cover your basic health needs and include preventive services and some prescription drugs.
Previously, insurance companies could limit what they would spend, either yearly or for the entire time you were enrolled in a plan (the "lifetime"). Under the new health care reform provisions, there are no lifetime limits on most benefits you receive. The law also restricts annual limits and does away with them entirely in 2014.
The new rule on annual dollar limits does not apply to grandfathered individual health insurance plans.
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