We are all aware that by opting for a more affordable health insurance plan we might end up with a higher deductible, or less coverage. But as more and more Americans are discovering, spending caps on health coverage could be the least known, and most dangerous, clause in your contract.

As health care costs continue to rise, one way that employers are able to save money on their premiums is to offer a more affordable health insurance plan that includes a cap. Around one third of workers have a lifetime medical coverage cap of $2 million or higher, and 22% have caps that are lower.

And while it may seem that $1 million is a lot to most people, as it's made clear at azstarnet.com, the soaring costs of medical care mean that those bills rack up very, very fast.

There are different types of caps applied to insurance, including lifetime caps, annual caps, prescription caps, and caps per illness. In every case reaching that cap means that the person in question, usually someone who is very sick, no longer has coverage.

For those people searching for an affordable health insurance policy, it's always good to ask whether or not your policy has a cap and what type it might be.

As those individuals in the article have discovered, running out of coverage when you need it the most can prove devastating.