Deductible & Out-of-Pocket Calculator
You pay covered bills in full until you meet the deductible, then a percentage (coinsurance) until you reach the out-of-pocket maximum. After that, the plan pays 100% of covered in-network care for the rest of the year. For 2027 Marketplace plans the maximum can’t exceed $12,000 for one person.
Figures checked October 15, 2026 · free, no sign-up
Calculator
Fill in the form to see your estimate. It updates as you type.
Estimate only, using the published figures listed under Sources. It is not a quote, an eligibility decision or advice. Your inputs stay in your browser: nothing is sent or saved, and you never need to share contact details to see a result.
Frequently asked
Sources & methodology
- CMS — Premium Adjustment Percentage, Maximum Annual Limitation on Cost Sharing… for the 2026 Benefit Year
- CMS — Premium Adjustment Percentage, Maximum Annual Limitation on Cost Sharing… for the 2027 Benefit Year
- IRS — Rev. Proc. 2025-19 (2026 HSA and HDHP limits)
The calculation runs entirely in your browser with the year-labelled figures from the sources above, and updates as you type. We don’t send, store or log anything you enter. We check these figures against the sources whenever CMS, the IRS or HHS publishes a new year.
Compiled by the McDowell Business Resources Data Desk. Last reviewed: October 15, 2026.
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McDowell Business Resources is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS.
This page is general education, not insurance, tax, legal or investment advice. Figures are dated where shown and can change; your situation may differ, and product availability varies by state and carrier. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier.