I know there’s a limit on annual out of pocket cost, but is there any restrictions on co payments? My company just increased ours significantly, and it seems to be their way of saving money to get around the new health insurance costs. I don’t go to the doctor nearly enough to hit the annual limit, but this is going to still be a huge strain on me financially next year. It seems to me like they found a loop hole to some of the rules by just increasing our out of pocket cost. I currently have the best plan they offer.