Read about an ACA 2014 change which is helpful to tens of millions (healthcare, Obama)

[bobtn]

Starting in your 2014 benefit year, your deductables, co-pays, etc..ALL count towards your out of pocket max. That means, in most cases, folks will reach it anywhere from several hundred to a few thousand dollars quicker than before, at which point, all additional expense is covered 100%.

Most plans did NOT include such payments into that calculation before.

[andywire]

And America will complete the final leg of our race to the bottom even faster.

[mike0618]

Originally Posted by bobtn

Starting in your 2014 benefit year, your deductables, co-pays, etc..ALL count towards your out of pocket max. That means, in most cases, folks will reach it anywhere from several hundred to a few thousand dollars quicker than before, at which point, all additional expense is covered 100%.

Most plans did NOT include such payments into that calculation before.

My insurance plan i am losing due to obama care already did that.

[CravingMountains]

Good to know. I have a four or five tiered healthcare plan and I always have to argue with my insurance about how much I pay at the doctors and to apply it to my max. Maybe now I can just show them receipts and be done with it.

[bobtn]

The way the co-pays were excluded before was deceptive. This part of the law I fully favor, as folks get a real image of maximum annual costs to them.