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Who the Health Ruling Impacts Most

People who get insurance through work

The impact will be minimal for this group, with one exception: The law halves the cap on “flexible spending accounts” – which allow employees to use pre-tax income to pay for health expenses – to $2,500, and limits them to prescription medicines. Before the law, most companies allowed employees to put $3,000 to $5,000 into these accounts from their gross salary to pay for expenses.

What was at stake: Employer-based plans would have continued to withhold several key benefits, experts say. For example, they would maintain “lifetime limits” where coverage stops for emergencies and chronic conditions after a certain threshold (usually around $1 million), Nash says. Companies would also continue to impose annual limits on certain out-of-network services that may be covered in some insurance plans – such as infertility treatments and chiropody, and Lasik eye surgery.

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