Yes. In 2027, all Medicare Advantage plans have an out-of-pocket maximum, also called a MOOP. This is the most you’ll pay for Medicare-covered medical services in a year. Once you reach your MOOP, your plan pays 100% of covered services for the rest of the year.
The highest in-network MOOP Medicare allows in 2027 is $9,850, up from $9,250 in 2026, but many plans set a lower limit. If you’re in a PPO plan, you’ll have two limits: one for in-network care and a combined in- and out-of-network limit, which can be as high as $14,800.
Payments that count toward your MOOP include deductibles, copays, and coinsurance for Medicare-covered medical services. Plan premiums and Part D prescription drug costs do not count toward your medical MOOP. Drug coverage has its own separate out-of-pocket cap of $2,400 in 2027.
Knowing your plan’s MOOP helps you plan for worst-case medical costs and avoid unexpected bills later in the year. It is one of the first numbers to compare when you look at plans during open enrollment.