What MOOP means
Maximum Out‑of‑Pocket is your worst‑case in‑network spend for covered services in a plan year. Once you reach it, the plan pays 100% for covered in‑network care.
Why it matters
MOOP protects you from catastrophic bills. Even if a plan’s deductible is high, a lower MOOP can limit total exposure if you have a major year.
Example
If your MOOP is $8,700 and you have surgery costing $60,000, your share—after deductible/coinsurance—can’t exceed $8,700 in‑network for the plan year.
Action step
Compare MOOP across plans, not just premium. True North Roots highlights plans with manageable exposure that still include your doctors.
Need help deciding? True North Roots can compare plans, estimate your subsidy, and enroll you at no cost.