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<law><site_title>Virginia Decoded</site_title><site_url>https://vacode.org</site_url><law_id>59514</law_id><section_number>38.2-3440</section_number><catch_line>Lifetime and annual limits</catch_line><edition url="https://vacode.org/2025/" slug="2025" current="TRUE" last_updated="">2025</edition><structure><unit label="title" level="1" order_by="1" identifier="38.2">Insurance</unit><unit label="chapter" level="2" order_by="1" identifier="34">Provisions Relating to Accident and Sickness Insurance</unit><unit label="article" level="3" order_by="1" identifier="6">Federal Market Reforms</unit></structure><text>
						<section id="A"><p><span class="prefix-number">A.</span> Notwithstanding any provision of &#xA7; <a class="law" title="Application of requirements that policies offered by small employers include state-mandated health benefits" href="/38.2-3406.1/">38.2-3406.1</a>, <a class="law" title="Capped benefits under insurance policies and contracts" href="/38.2-3406.2/">38.2-3406.2</a>, or <a class="law" title="Coverage for early intervention services" href="/38.2-3418.5/">38.2-3418.5</a>, or any other section of this title to the contrary, a health carrier offering group or individual health <span class="dictionary">insurance</span> coverage shall not establish a lifetime limit on the dollar amount of essential health benefits for any covered <span class="dictionary">person</span>. <a id="paragraph-218045" class="section-permalink" href="https://vacode.org/38.2-3440/#A"><i class="fa fa-link"/></a></p></section>
						<section id="B"><p><span class="prefix-number">B.</span> A health carrier shall not establish any annual limit on the dollar amount of essential health benefits for any covered <span class="dictionary">person</span>. <a id="paragraph-218046" class="section-permalink" href="https://vacode.org/38.2-3440/#B"><i class="fa fa-link"/></a></p></section>
						<section id="C"><p><span class="prefix-number">C.</span> The provisions of this section shall not prevent a health carrier from placing annual or lifetime dollar limits for any covered <span class="dictionary">person</span> on specific covered benefits that are not essential health benefits to the extent that such limits are otherwise permitted under applicable federal or <span class="dictionary">state</span> <span class="dictionary">law</span>. <a id="paragraph-218047" class="section-permalink" href="https://vacode.org/38.2-3440/#C"><i class="fa fa-link"/></a></p></section>
						<section id="D"><p><span class="prefix-number">D.</span> This section shall apply to any health carrier providing individual or group health <span class="dictionary">insurance</span> coverage, except that the prohibition and limits on annual limits shall not apply to a grandfathered plan providing individual health <span class="dictionary">insurance</span> coverage. <a id="paragraph-218048" class="section-permalink" href="https://vacode.org/38.2-3440/#D"><i class="fa fa-link"/></a></p></section></text><history>2011, c. 882; 2013, c. 751.</history><metadata></metadata></law>
