Family coverage cost sharing: requires family health plan/health insurance coverage out-of-pocket expenditure deductibles and limits to include out-of-pocket expenditure deductibles and limits for each individual member of the family that are no more than the amounts allowed for individual coverage. This ensures that an individual on a family insurance plan would not have to pay more out-of-pocket than the ACA individual limit of $6,600 even if the individual is part of a family plan (which the ACA caps at $13,200 out-of-pocket).