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.

Complete your profile to continue reading and get FREE access to BenefitsPRO, part of your ALM digital membership.

  • Critical BenefitsPRO information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events
  • Access to other award-winning ALM websites including and

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

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.