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Out-of-Pocket Maximum Calculator

See when your plan's cap protects you.

Details

Results

Month you hit the cap
Spending before cap
Covered 100% after

Educational estimate. Not insurance advice — confirm with plan documents.

How it works

We divide your plan's out-of-pocket maximum by your average monthly cost-sharing to estimate the month you'd reach the cap, after which the plan covers 100% of covered services.

Lower MOOP = stronger protection in a high-cost year, even if the premium is higher.

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Your financial safety net, in months

The out-of-pocket maximum is the most an Advantage plan can cost you in copays and coinsurance in a year. This tool turns that abstract cap into something concrete: at your typical monthly cost-sharing, what month would you actually hit it? After that point, the plan pays 100% for covered services.

If a serious diagnosis would push you to the cap quickly, that’s a sign to weigh a lower-MOOP plan or Medigap. Compare options in the Advantage vs Medigap calculator.

Good to know

FAQs

What counts toward the out-of-pocket max?

In-network copays and coinsurance for covered medical services; premiums and drugs are usually separate.

What happens after I hit it?

The plan pays 100% of covered in-network services for the rest of the year.

Is there a federal limit?

Yes — CMS sets a maximum MOOP each year; many plans set theirs lower.

Is this insurance advice?

No — it's an educational estimate.