For 2026, the maximum out of pocket (OOP) cost sharing limit for the Affordable Care Act (ACA) has been increased to $10,600 for individual/self-only coverage and $21,200 for family/non-self-only coverage. This reflects an increase from 2025, where the maximum out of pocket (OOP) cost sharing limit was $9,200 for individual/self-only coverage and $18,400 for family/non-self only coverage. The qualified high-deductible health plans (QHDHP) must comply with the QHDHP self-only annual limit of $8,500 which remains the same as it was in 2025. Amounts are subject to change based on IRS and ACA guidelines.
If you're interested in changing your current max out of pocket or deductible cost sharing limit, contact ProAct today. There is still time to update for 1/1/2026.
