Cigna — The Patient Protection and Affordable Care Act (PPACA) requires limits for consumer spending on in-network essential health benefits (EHBs) covered under most health plans. These are known as out-of-pocket maximum limits, and typically include deductibles, copays and coinsurance costs paid by consumers. These limits do not include health plan premiums or out-of-network costs. Out-of-pocket limits apply to all non-grandfathered plans, regardless of size or funding type, including all plans sold through a public exchange/Marketplace.