For plan year 2027, CMS set the maximum annual limitation on cost sharing (the out-of-pocket maximum) for non-grandfathered plans.
| Self-only | Other than self-only (family) | |
|---|---|---|
| 2027 | $12,000 | $24,000 |
| 2026 | $10,600 | $21,200 |
Reduced limits with cost-sharing reductions (Silver plans)
| Household income (% of FPL) | Self-only | Family |
|---|---|---|
| 100% to 200% | $4,000 | $8,000 |
| Above 200% to 250% | $9,600 | $19,200 |
Your plan's actual out-of-pocket maximum may be lower than the legal limit. Check the summary of benefits before you enroll.
Ready to enroll for 2027? A licensed iHealthAgents advisor can help at no cost.
Source: CMS, Premium Adjustment Percentage, Maximum Annual Limitation on Cost Sharing, Reduced Maximum Annual Limitation on Cost Sharing, and Required Contribution Percentage for the 2027 Benefit Year (Jan. 29, 2026). Educational use only.
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