Karen Pollitz, research professor at the Health Policy Institute, discusses the ability of low-income families to pay out-of-pocket health care costs, even if there are annual caps:

“It may be fine for families that don't need too much care, but God forbid somebody gets into a motorcycle accident. They're going to hit the $5,000 limit quickly. People with limited incomes, and particularly families, can easily drown in bills, even if there are co-pays."

Cost Squeeze Raises Concerns About Health Benefits Package

July 27, 2009, Kaiser Health News