On January 1, 2027, the most your health plan can make you pay jumps from $10,600 to $12,000 for one person — and from $21,200 to $24,000 for a family. This video explains what the out-of-pocket maximum actually is, walks through the dollar math on one bad year, exposes the low-premium trap, and gives you three moves to make before open enrollment ends December 15 — including the HSA lever that caps your worst case at $8,700 instead of $12,000. Follow US Money Guide for daily money tips!
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Educational content, not financial advice.
