The Medicare Advantage maximum out-of-pocket (MOOP) limit in 2026 is $9,350 for in-network services. Some plans have lower MOOP limits. After reaching the MOOP, the plan pays 100% of covered in-network services for the rest of the year. The MOOP does not apply to Part D drug costs.
Key Points
- 2026 MOOP limit: $9,350 for in-network services
- Some plans have lower MOOP limits
- After MOOP: plan pays 100% of covered in-network services
- MOOP does not apply to Part D drug costs
- An independent agent can identify plans with the lowest MOOP limits in your area