 [ Symptoms ] what are the maximum out of pocket limits associated with the new aca [ Disease ] in 2014 the maximum a single individual will pay out of pocket in 2014 will generally be 6 350 while a family could pay up to 12 700 these include deductibles and any co pays or co insurance payments this is true for most consumers including those whose plans are purchased in the exchanges but people covered by employer plans with pharmacy benefits administered by a different company than the primary insurer may face higher costs for drugs in 2014 this difference goes away in 2015