This story was produced in collaboration withUSA Today

A few months into a new job as a contract engineer, Jim Arey was stunned by an $8,000 bill he received for two doctor-administered infusions of an expensive drug he needs regularly. That’s when the Columbia, Md., man learned that the insurance provided through his placement firm capped doctor office care at $2,000 a year. He unknowingly hit his cap on his first visit because of the cost of the drug.

For a while, Arey, 29, tried to do without the medication for ankylosing spondylitis, which causes inflammation of the joints between his vertebrae, but soon was not “able to move without screaming.” Treating side-effects that resulted from going without medication put Arey even further in debt.

The new health overhaul law aims to end all annual dollar limits on health insurance policies by 2014. Federal regulators contend such limits can leave policyholders "virtually uninsured" for the rest of the year once caps are hit.

To read more on how the Health Law Bars Annual Limits, But Leaves A Loophole, click here