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Hereditary Cancer Info > Privacy & Legal Issues > Patient Protection and Affordable Care Act (PPACA)

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Patient Protection and Affordable Care Act (PPACA)

There are laws that protect the rights of people with an inherited mutation or hereditary cancer.

Capping out-of-pocket costs

PPACA places caps on how much money insured people will have to spend out of their own pockets for healthcare services that are covered in the new law’s essential health benefits package. These caps on out-of-pocket spending went into effect in 2014. The out-of-pocket spending caps follow a sliding scale: Those with lower and middle incomes will pay less out of pocket than those with higher incomes. The new caps guarantee that consumers will not have to pay more than a set amount annually in out-of-pocket expenses for covered services. 

For more information on the Patient Protection and Affordable Care Act, visit

The Center for Consumer Information and Insurance Oversight (CCIIO) at CMS is the agency consumers can contact for help when they feel they have been inappropriately denied services or were inappropriately charged a co-pay or deductible counter to the Patient Protection and Affordable Care Act. They run a helpline at (887) 267-2323 ext. 6-1565, or can be reached by email at:


Updated 05/25/2016

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