For covered services, health plans can only make you pay so much in a year out of your own pocket. That limit is called the out-of-pocket maximum. If you buy your health insurance on the Health Insurance Marketplace (Healthcare.gov), those limits are set by the government. In 2023, the out-of-pocket max in Marketplace plans can’t be higher than $9,100 for an individual and $18,200 for a family. That doesn’t mean every plan will have that high a limit; it’s just the maximum cap they can use. Check the caps on plans you’re comparing — this is the total amount you could have to pay in a year in deductible payments, copayments and coinsurance (premiums don’t count toward the out-of-pocket maximum).