What is the 2027 Medicare Advantage MOOP in Maricopa County?
In-network out-of-pocket maximums on Maricopa County Medicare Advantage plans range from $2,000 to $8,900 for 2027, with an average of $4,896 across the 52 plans in the CMS 2027 landscape.
These figures exclude Special Needs Plans. The out-of-pocket maximum is the most you pay in a year for covered in-network Part A and Part B services; it does not include your plan premium, your Part B premium or Part D drug costs, which have their own $2,400 cap for 2027.
| Plan type | Plans | $0 Part C premium | Average in-network out-of-pocket max |
|---|---|---|---|
| HMO | 29 | 28 | $4,305 |
| PPO | 14 | 14 | $6,046 |
| HMO-POS | 7 | 7 | $4,564 |
| Regional PPO | 2 | 1 | $6,575 |
How the out-of-pocket maximum works
Every Medicare Advantage plan must cap what you pay for covered in-network medical care each year. Once your copays and coinsurance reach the cap, the plan pays 100% of covered in-network services for the rest of the calendar year. PPO plans also have a separate, higher combined cap that includes out-of-network care.
What changes your number
The plan you pick. HMO plans in Maricopa County average $4,305 for 2027, while PPO plans average $6,046. A lower cap often comes with a tighter network. Across the county the average rose for 2027, so check your Annual Notice of Change even if you plan to stay put.
In neighboring Pinal County the 2027 range is $2,000 to $8,900, with an average of $4,980.
What to do next
Ask yourself whether you could pay the full cap in a bad year. If not, a plan with a lower cap or a hospital indemnity policy may be worth comparing. Use the plan finder by ZIP, or book a review with us in Chandler.
Related questions
What is the 2027 Medicare Advantage MOOP in Maricopa County?
In-network out-of-pocket maximums on Maricopa County Medicare Advantage plans range from $2,000 to $8,900 for 2027, with an average of $4,896 across the 52 plans in the CMS 2027 landscape.
Does the out-of-pocket maximum include prescription drugs?
No. Part D drug costs have their own cap: $2,100 in 2026 and $2,400 in 2027 according to the CMS landscape.
Does the out-of-pocket maximum include premiums?
No. Plan premiums and your Part B premium do not count toward it.
What is the lowest out-of-pocket maximum in Maricopa County for 2027?
$2,000 in network, on the plans with the lowest cap in the CMS 2027 file.
Sources
- CMS Medicare Advantage and Part D Landscape, Contract Year 2027 Centers for Medicare & Medicaid Services
Please note: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.Rise Up Benefits Group is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
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