Federal officials are making it easier for employers in some states to obtain waivers from a requirement of the health law phasing out the annual limits many health plans impose on what they will pay out for medical care. A November 5 memo from HHS says that entire states in certain cases may obtain exemptions for health plans from the higher limits required by law until the limits are eliminated entirely in 2014. The change may produce a large increase in the number of Americans in plans exempted from the higher limits required by the law. This is of particular concern for people who have very expensive medical needs and who are more likely to exceed annual limits imposed by most health insurance plans. A newly updated HHS list shows the companies, unions, or other organizations that have obtained waivers for their health plans allowing them to keep lower annual limits.