Hi Maria,

Apologies for the delayed response. I am sending your question to our legal experts to weigh in. In the meantime, I would recommend contacting the National Cancer Legal Services Network here: http://www.nclsn.org/. We also have a webinar on the ACA coming up on April 2nd. More information on that call and registration is here: http://www.cancerandcareers.org/en/community/events/affordable-care-act-teleconference

Best,

Sarah, Associate Manager of Programs, Cancer and Careers

Hi Maria, 

The Affordable Care Act (ACA) did eliminate lifetime and annual limits on essential health benefits as of January 1, 2014.  The exact definition of essential health benefits differs by state, but you can find more information about what is included at https://www.healthcare.gov/what-does-marketplace-health-insurance-cover/. 

If you have an individual grandfathered plan, which is a plan you purchased yourself prior to March 23, 2010, the rule against annual limits does not apply to you.  If that is the case, you may want to consider purchasing a new plan in your state's health insurance marketplace. Visit http://healthcare.gov for more information.  

For more information about this topic generally, visit https://www.healthcare.gov/how-does-the-health-care-law-protect-me/#part=9

I hope that helps answer your question. 

Best,
Monica Bryant, Esq.
Cancer Rights Attorney
COO, Triage Cancer

Please note that the above information is designed to provide general information on the topics 
presented. It is provided with the understanding that the expert is not engaged in rendering any legal or professional services in the information provided above. The information provided should not be used as a substitute for professional services.