Out-of-Pocket Maximums and Deductible Limits For 2017

Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2017 plans for individuals and families.

  • For 2017, your out-of-pocket maximum can be no more than $7,150 for an individual plan and $14,300 for a family plan before marketplace subsidies.
  • For 2017, your maximum deductible is the same as the out-of-pocket maximum.

Maximums and Deductibles  on HSA-Eligible Plans

To avoid confusion, the minimum deductibles and maximums needed for an HSA are unchanged from last year.

Minimum Deductible for HSA Eligibility

  • Self-only: $1,300
  • Family: $2,600

Maximum Out-of-Pocket Limit for HSA Eligibility

  • Self-only: $6,550
  • Family: $13,100

TIP: The maximums are slightly lower on HSA compatible plans. This has to do with the fact that the rates are raised by different mechanisms. The difference allows for non-HSA compatible high deductible plans, so make sure that, if you want an HSA, your plan is “HSA Eligible.” Learn more about pairing HSAs with High Deductible Health Plans in 2017.