Because cost - sharing can get expensive if you have large
medical expenses, all health plans (unless they're grandfathered or grandmothered) that require cost - sharing also have an out - of - pocket maximum that
puts a cap on how much cost - sharing you're responsible for each year (for this discussion, all of the numbers refer to the cap on out - of - pocket costs assuming you receive care within your health insurer's network; if you go outside the network, your out - of - pocket maximum will be
higher, or in some cases, unlimited).