Plaintiffs in personal injury lawsuits are entitled to compensation for future medical expenses. We argue that the “guaranteed issue” and “individual mandate” requirements of the recently passed Affordable Care Act (ACA) will allow victims to address a large portion of their health needs through the purchase of a simple health insurance plan rather than direct compensation for an itemized list of health care needs. As such, damage awards for many health expenditures should be capped at a maximum of $6,250 per year. Therefore, the role of a life care planner should evolve into determining which life care expenses are covered under the minimum insurance requirements mandated by the ACA and which entail additional expenditures beyond those covered by health insurance.

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