The Out-Of-Pocket Maximum is the most you will pay for covered healthcare services in a plan year. Once you reach this limit, your health insurance will cover 100% of the costs for covered services for the rest of the year. This limit includes your deductibles, copayments, and coinsurance. It's important to note that not all expenses count toward the Out-Of-Pocket Maximum. For example, premiums and costs for non-covered services do not apply. Understanding this limit can help you budget for healthcare expenses and avoid unexpected high costs during the year.