How much notice do you have to give? trental modified release tablets And chances are your plan's in-network out-of-pocket spending cap is already lower than the new Obamacare maximums: $12,700 for a family, $6,350 for singles. (Employers that use multiple vendors to manage medical, drug, and other types of expenses got a one-year extension on the cap.) And in 2014 your plan can't put limits on annual payouts (the same goes for individual policies). Yes, the federal government gave employers with 50 or more full-time workers another year before they have to offer insurance or pay a fine, but that delay shouldn't affect those who already have a workplace plan.