The Patient Protection and Affordable Care Act has made life interesting—to say the least—for all of us over the last few years, but no one's had a wilder ride than those in the limited medical benefit business.
First the law threatened the very existence of these and similar indemnity plans with onerous deductible limits and medical-loss ratio requirements.
Of course, politicians and regulators being who they are changed all of that with hundreds of waivers and a redefined MLR requirement, buying limited plans a stay of execution. For now. All of that will come to end with the close of 2013.
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