Health plans can leave out spending on liposuction and massage therapy when deciding whether an enrollee has reached the annual out-of-pocket spending limit.

A plan also can leave out spending on out-of-network products and services, or any amounts that out-of-network providers charge that exceed the plan's reimbursement level.

Officials from the Center for Consumer Information & Insurance Oversight, the Employee Benefits Security Administration and the Internal Revenue Service have given that advice in a collection of answers to questions about the Patient Protection and Affordable Care Act.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.