Co-payments

Out of pocket costs are deductibles and co-payments that consumers pay to health care providers, usually at the time of service. Under the ACA, out-of-pocket limits apply to almost all health plans regardless of size or funding type, including all plans sold through a public insurance exchange. The only health plans that do not have out of pocket limits are those that the law defined as grandfathered plans. These are plans that existed when the law passed and that have not been revised since then. As soon as an insurer revises a grandfathered plan, the plan is no longer grandfathered and must meet the rules of the ACA that all health insurance plans must meet