Changes from 2015 to 2016... Rules, Premiums, Plans, Exchanges, Etc.

Subj: EMBEDDED OOP Limits for 2016



YAgents touched on this subject in another thread 2 weeks ago... Contained within a broader 2/27/2015 rule, HHS is requiring that all 2016 plans use "embedded" OOP $$ limits. Here's a plain language description:



"This embedded rule means that plans (including self-funded plans) will now have to have embedded out-of-pocket limits for each individual covered under family coverage.



For example, using the 2016 limits, if a family plan has an annual out-of-pocket limit of $10,000 and one family member incurs an expense of $20,000, that f

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