The limit on lifetime and annual caps only applies to "essential health benefits" which gives insurance companies the ability to deny first and force the insure

The limit on lifetime and annual caps only applies to "essential health benefits" which gives insurance companies the ability to deny first and force the insured to fight to get payment. Grandfathered legacy policies are also allowed to maintain lifetime bans. https://www.hhs.gov/healthcare/about-the-aca/benefit-limits/index.html https://www.hhs.gov/healthcare/about-the-aca/benefit-limits/...