Health Care Reform

Deductible Limits

For plan years beginning on or after January 1, 2014, non-grandfathered, small group insured health plans may not impose deductibles higher than $2,000 for individual coverage or $4,000 for family coverage (indexed for inflation based on health insurance premiums).

Note: The limit on deductibles only applies to certain types of health plans, such as major medical insurance.  It does not apply to HIPAA excepted benefits, such as disability, cancer, hospital indemnity, or accident  insurance.  Click here for more information about the types of benefits that are exempt from the Health Care Reform plan design mandates.

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American Fidelity Assurance Company does not provide tax or legal advice.

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