The PPACA incorporates mechanisms intended to protect consumers from insurance company abuses. One such mechanism limits patients’ out-of-pocket (OOP) spending for major medical coverage. However, as posted on the Department of Labor’s website, the cap on OOP expenses for consumers will not go into effect until 2015. Some claim that the delay is meant to help businesses and consumers adapt to the PPACA, while others claim that the Administration is catering to employers and businesses at the expense of consumers.
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