4c4da195_Comparison_Summary__National_Health_Care_Reform
[Issue] Out-of-pocket limits [Current Illinois Law] Current Illinois law limits annual out-of-pocket costs for HMO plans, but non-HMO plans can include deductible, co-pay and other cost-shifts to consumers without regard to the financial burden shifted to a family. Two-thirds of personal bankruptcies result from unanticipated medical expenses. Of those individuals who file bankruptcy due to medical expenses, 75% actually have “insurance.” [National Health Care Reform] 
2014 Health insurance companies will be required to ensure that annual cost-sharing requirements—including co-pays, deductibles, and coinsurance amounts—do not exceed the dollar amounts applicable to Health Savings Accounts, adjusted annually (currently $5,950 for individuals and $11,900 for families). Group plans may not have deductibles greater than $2,000 for single coverage and $4,000 for family coverage.
Comparison Summary
National Health Care Reform