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Glossary of Health Insurance Terms To Know

Lifetime Limits

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A lifetime maximum (also known as a "lifetime limit") is the maximum amount the insurance company will pay for health claims by any one insured during his or her lifetime. Once that cap has been reached, the insurer will not pay for any more health care - even if it for an illness which is already covered. 

Health insurance companies often had lifetime maximums of $1,000,000 or higher. Under the Affordable Care Act (ACA or “Obamacare”) health plans issued or renewed on or after September 23, 2010, can no longer include a lifetime maximum.

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