The U.S. Department of Health and Human Services (HHS) and the Centers for Medicare & Medicaid Services (CMS) have issued the 2027 annual dollar limits on cost sharing. The maximum annual limitation on cost sharing that a non-grandfathered group health plan can impose on essential health benefits for 2027 is $12,000 for individual coverage and $24,000 for family coverage (compared with $10,600 and $21,200, respectively, for 2026) — an increase of 13.2%.
Note: These out-of-pocket maximums are different from the IRS limits on health savings account (HSA)-qualified high-deductible health plans. For information on HSA cost-sharing limits for 2026, see the WTW Insider article IRS announces 2026 HSA, HDHP and EB-HRA dollar limits. The HSA cost sharing limits for 2027 will be released in spring 2026.
