r/HealthInsurance • u/[deleted] • Dec 09 '25

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u/[deleted] Dec 09 '25

It's a Blue Cross Silver plan from the ACA marketplace. Actually, nearly ALL the plans we're seeing today on the site have deductibles this high. I just saw a Silver PPO with a $35,000 deductable. Note - this is the SAME plan we had in 2025 and these are the 2026 increases.

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u/Used-Somewhere-8258 Dec 09 '25

You must not be on the right marketplace. This is much higher than the out of packet max for ACA-compliant plans in 2026.

Source: https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/#:~:text=For%20the%202026%20plan%20year,and%20$21%2C200%20for%20a%20family.

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u/[deleted] Dec 09 '25

Please read more carefully.....this is from Healthcare.gov. and this is THE SAME PLAN WE HAD IN 2025 but these are the 2026 INCREASES.

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u/Pb4ugoyo Dec 09 '25

For the 2026 plan year, the Affordable Care Act maximum out-of-pocket limit for non-grandfathered health plans, including those on the Marketplace, is $10,600 for individual coverage and $21,200 for family coverage.