What Does Health Insurance Out Pocket Maximum Mean? 
Your OOP -LRB- out of pocket -RRB- limit is a moving target and can be a misnomer . Usually it means the maximum amount you may be required to pay during a calendar -LRB- or plan -RRB- year but that can be misleading . Your OOP almost always includes the deductible and coinsurance but does not include any copay 's for Rx or doctor visits . If you have OON -LRB- out of network -RRB- charges from non-par providers you OOP can be considerably higher , including a separate OON deductible , higher coinsurance and higher OOP for non-par providers . 