The administration announced a delay until 2015 in one of the consumer protection requirements included in the Affordable Care Act. The maximum out-of-pocket limits in 2014 of $6,350 for individual/$12,700 family were supposed to include all expenses including deductibles and office visit/drug copayments. Federal officials have granted a one-year grace period to some insurers allowing them to set higher limits, or no limit at all on some costs in 2014.
Many insurers and employers needed more time to comply because they use seperate companies for medical and prescription drugs, making the single out-of-pocket maximum difficult to manage.
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