Out-of-Pocket Max Tracker
Estimate annual healthcare spending caps by plan type
Out-of-pocket maximums vary significantly between Medicare plan types, affecting your total annual healthcare costs. Medicare Advantage plans typically cap spending at $3,000–$8,000 per year, while Original Medicare has no out-of-pocket limit (making Medigap valuable for catastrophic protection). New for 2026: Part D prescription drug costs are now capped at $2,100 annually under the Inflation Reduction Act. Understanding your plan's cap and tracking your spending helps you budget for medical expenses and decide if supplemental coverage is worth the premium.
Compare plan types in detail with our Plan Comparison Tool. For comprehensive cost breakdowns, visit our 2026 Medicare Costs guide. Stay updated on 2026 Part D changes that impact prescription drug spending.
Your Coverage
What's Included?
- • Deductibles and copayments
- • Coinsurance amounts
- • Prescription drug costs
- • Specialist visit fees
Select your plan type and usage level