Out-of-Pocket Maximums and Deductible Limits For 2018

Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2018 plans for individuals and families.[1]

  • For 2018, your out-of-pocket maximum can be no more than $7,350 for an individual plan and $14,700 for a family plan before marketplace subsidies.[2]
  • For 2018, your maximum deductible is the same as the out-of-pocket maximum.

Maximums and Deductibles on HSA-Eligible Plans in 2018

Please note, the minimum deductibles and maximums for HSAs have increased this year. See our page on HSAs for 2018 for contribution limits and other information not directly pertaining to deductibles and maximums.[3][4]

Minimum Deductible for HSA Eligibility

  • Self-only: $1,350
  • Family: $2,700

Maximum Out-of-Pocket Limit for HSA Eligibility

  • Self-only: $6,650
  • Family: $13,300

TIP: The maximums are slightly lower on HSA compatible plans then they are in general on health 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. Thus, if you want an HSA, make sure your plan is “HSA Eligible.” Learn more about pairing HSAs with High Deductible Health Plans in 2018.

Citations

  1. 2018 ACA Out-Of-Pocket Maximums and Health Savings Account Limits
  2. Federal Register – Patient Protection and Affordable Care Act; HHS Notice of Benefit and Payment Parameters for 2018; Amendments to Special Enrollment Periods and the Consumer Operated and Oriented Plan Program
  3. IRS Sets 2018 HSA Contribution Limits Health savings account caps rise $50 for self-only plans, $150 for family coverage
  4. Rev. Proc. 2017-37 – Internal Revenue Service