When changing employers in the United States, do your medical insurance limits reset?
Dear Starting Over,
Assuming that your new employer’s plan meets the Affordable Care Act standards, then there are no limits that would need to be re-set. This is because health reform does not allow annual or lifetime benefit limits. All plans have unlimited lifetime benefits.
There is a slim possibility that your new plan is “grandfathered”. This means that the plan has not made certain kinds of changes since 2010. Very few of these plans are still around. If you are in a grandfathered plan, you may have annual and/or lifetime benefit limits. However, I’m not aware of any way that your new (grandfathered) plan could count your previous plan’s payments against your new plan’s benefit limits. So, in effect, you would have a fresh start on the new plan’s limits.