Out-of-Pocket Maximum Tracker
Track progress toward your deductible and out-of-pocket maximum.
Out-of-Pocket Maximum Tracker — How Close Are You?
Hit your deductible? Insurance pays more. Hit your out-of-pocket max? Insurance pays everything. This tracker shows your progress toward both — so you can schedule planned procedures strategically and stop overpaying for care that should be 100% covered.
How to use this tool
- 1
Enter your deductible
Amount before insurance starts paying.
- 2
Enter out-of-pocket max
Most you'll pay in one calendar year.
- 3
Add what you've spent year-to-date
Check your insurance portal.
- 4
See your progress and recommendations
Bar chart + action item.
Pro tips
- Just hit your deductible? Schedule planned procedures (MRIs, surgeries, dental work) before year-end.
- Hit your OOP max? Get every procedure done by Dec 31 — it's 100% covered.
- Family deductibles often have both individual and family limits — track both.
Frequently asked questions
What counts toward the deductible?
Most medical services count. Preventive care (annual physical, vaccines) usually doesn't — it's already 100% covered before the deductible.
Do prescriptions count?
Depends on the plan — high-deductible plans usually apply Rx costs toward the deductible. PPOs may have separate Rx deductibles.
Does the OOP max reset?
Yes — every January 1. Plan major procedures based on calendar year timing.
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