Yes. In 2026, all Medicare Advantage plans have an out-of-pocket maximum, also called a MOOP. This is the most you’ll pay for Medicare-covered medical services in a year. Once you reach your MOOP, your plan pays 100% of covered services for the rest of the year.

The maximum MOOP allowed by Medicare in 2026 is $9,350, but some plans may set a lower limit. If you’re in a PPO plan, you may have two limits—one for in-network costs and one for combined in- and out-of-network costs.

Payments that count toward your MOOP include deductibles, copays, and coinsurance for Medicare-covered medical services. Plan premiums and Part D prescription drug costs do not count toward your medical MOOP. Drug coverage has a separate out-of-pocket cap of $2,000 in 2026.

Knowing your plan’s MOOP helps you plan for worst-case medical costs and avoid unexpected bills later in the year.