Medicare Advantage Out-of-Pocket Limits: Variation and Trends

(Authors: Nancy Ochieng, Meredith Freed, Jeannie Fuglesten Biniek, Juliette Cubanski, and Tricia Neuman for The Kaiser Family Foundation Published: May 28, 2026)

For coverage of Medicare benefits, people face a choice between traditional Medicare and private Medicare Advantage plans. While there are many distinguishing features between these coverage types, one key benefit of Medicare Advantage is an annual cap on out-of-pocket costs for medical benefits, which traditional Medicare does not include. In 2026, the out-of-pocket limit for Medicare Advantage plans may not exceed $9,250 for in-network services and $13,900 for a combination of in-network and out-of-network services, but plans can have lower out-of-pocket limits than the maximum. Continue reading here…

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