Healthcare stakeholders and consumer advocates are thrilled that HHS confirmed last week that it will implement a new policy requiring large-group health plans to apply the maximum out-of-pocket (MOOP) spending limits on an individual basis in 2016. That applies even if a person is enrolled in a family plan with a higher MOOP, the department said last week, and will go into effect despite several requests for a delay. Employers are disappointed that the department did not give them at...