The Affordable Care Act ( ACA) requires non-grandfathered group health insurance plans to limit the amount the participants and their families, pay for essential health benefits. This requirement is commonly referred sharing limit costs or limitations on the costs off-pocket. This article describes the cost-sharing limits for plan years starting from 2016. 
cost sharing limits 2016
for plan years beginning in 2016, the maximum annual limit on cost sharing is
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$ 6,850 for self-only coverage (against $ 6.0 in 2015)
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$ 13,700 for coverage other than the cover of the auto-only (against $ 13,0 in 2015)
recently, the US Department of Health and Human services (HHS) said in a FAQ that the annual limit itself to that maximum of cost sharing applies to every individual, regardless of whether the individual is registered in the coverage of self alone or in coverage other than the self-only. Departments will apply this clarification only for plan or policy years beginning on or after 2016.
Sample sharing rules __gVirt_NP_NN_NNPS <__ costs
to help illustrate the cost-sharing rules, HHS provides this example:
Suppose a family of four is registered in coverage of the family by virtue of a group health plan in 2016 with an overall annual limit on cost sharing for four registered $ 13 000 (note that a plane is authorized to set an annual limit less than the maximum provided for in Article 1302 ( c) (1), which is a $ 13,700 aggregate limit for another cover that self-only for 2016).
Suppose that person # 1 incurs claims associated with $ 10,000 in cost-sharing, and that individuals # 2, # 3 and # 4 each incur claims related to $ 3,000 in cost sharing (in each case, the absence of the application of an annual limit on cost sharing).
In this case, because, under the clarification discussed above, the annual limit of course maximum of cost sharing ($ 6.850 in 2016) applies to each individual cost sharing for individuals No. 1 for 2016 is limited to $ 6,850, and the plan is required to bear the difference between the $ 10,000 in cost sharing for individuals 1 and the maximum annual limit for that person, or $ 3.150.
Regarding the sharing of costs incurred by the four individuals under the policy, (3000 3.000 $ 6.850 + $ + $ + $ 3000) 15.850 $ overall in the sharing of costs that would otherwise be incurred by the four together is limited to $ 13,000, the total annual limitation under the plan, depending on the assumptions in this example, and the plan must cover the difference between the $ 15,850 and the annual limit $ 13,000, or $ 2.850.
Source - FAQs about Affordable Care Act Implementation (Part XXVII)
Conclusion
employers providing health insurance scheme employers should work with their health insurance advisor to ensure their total benefits of the health program addresses the limitations of sharing costs in 2016.
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