Any qualified health plan whether it is through an employer coverage, the marketplace or Medicare will have a Maximum out of pocket, often referred to in your plan materials as a MOOP. This is the most someone can pay out of pocket for the year before their health plan will cover 100% of their medical bills. You get to this number after meeting a few requirements. You may have a deductible where you pay the full cost of your care up to a set dollar amount. You may also have a co-insurance on your plan to that you will have to fulfill before before you maximum out of pocket is met.