Part of the Patient Protection and Affordable Care Act is the capping of health care flexible spending accounts at $2,500 beginning in 2013. What lawmakers are not seeing is that this cap is going to occur at a time when employees need their flexible health care spending accounts more than ever to help fund their health insurance.

Because health care costs keep rising, more and more employers are implementing in-network deductible plans and pushing more costs to employees. Employers who don't want to jump to high deductible health plans, such as the health spending account model, but want more in-network cost sharing than just co-pays, are implementing lower in-network deductibles and coinsurance plan designs.

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