Reviewed Jul 26, 2026 · plan year 2026 · Method and sources

The revision most sites missed

The 2026 out-of-pocket maximums were announced and then revised. The originally published figures of $10,150 and $20,300 were replaced, following a change in methodology, with $10,600 self-only and $21,200 family. A lot of published content still carries the superseded numbers. Our test suite fails on purpose if anyone reintroduces them.

Two ceilings, not one

HSA-qualified high-deductible plans have their own, lower ceilings — $8,500 self-only and $17,000 family. A plan subject to both must satisfy the lower one. Confusing the two sets is the most common error in this subject.

How the arithmetic is checked

Every calculator has test cases with expected values worked out by hand, independently of the code. When the two disagree, one is wrong and it gets investigated before anything ships. The functions that run in your browser are the same ones the tests exercise — they are serialized directly from the tested module, not reimplemented.

Review schedule

Every figure carries a verification date and a review interval. When something passes its interval, a warning banner appears at the top of the site automatically. The site tells you when it has gone stale rather than quietly rotting.

• Federal appeal rules — reviewed every 180 days
• State specifics — reviewed every 120 days
• Dollar limits — reviewed annually, and whenever a revision is announced

Last verified 2026-07-26 · rebuilt 2026-07-26

What these tools do not do

• They do not read your plan. Deductibles, exclusions, and networks vary and your documents always govern.
• They do not give a deadline we have not verified. Where a state figure is unconfirmed, we say so and point you to the regulator.
• They are not advice. Not medical, not legal, not insurance advice. They are arithmetic and plain-language explanation.

Who runs this

Alonso Verdeja. Found an error? That is genuinely useful — corrections get made and dated.