08/25/2026
DO YOU KNOW YOURS?
Your maximum out-of-pocket may be the most important number in your health insurance plan.
It reveals how much of your money could be at risk when you use your coverage—and many people don’t know theirs.
You’ll typically find it in your plan documents, not on your insurance card.
In plain English, it is generally the most you could be required to pay during the plan year for covered, in-network healthcare services.
Deductibles, copayments and coinsurance may count toward it. Monthly premiums, out-of-network care and services your plan doesn’t cover generally do not.
For 2026, the federal maximum annual out-of-pocket limit for self-only coverage is $10,600—although your plan may have a lower limit.
One covered hospital admission—even a one-night stay—could expose thousands of dollars and, depending on your plan and the services received, push you toward that limit.
Check your Summary of Benefits and Coverage. If the amount is larger than your household could comfortably absorb, Hospital Indemnity Select may be one possible prescription. Depending on the option selected, it may provide a benefit of as much as $10,000 per covered admission.
The hospital may send you home after one night.
Your bills could stay much longer.
Comment CHECKUP or call 678.523.0759 for a no-obligation Coverage Checkup.
Actual costs depend on your plan, services received, negotiated charges and other factors. Benefits, limitations, exclusions and availability vary by plan and state. Hospital indemnity insurance is supplemental coverage and is not a substitute for major medical insurance.
Source: Centers for Medicare & Medicaid Services, 2026 maximum annual limitation on cost sharing.