An Out of Pocket Maximum (OOP) is the annual total liability an individual, or family must pay before the plan pays 100% of all medical charges. For example, a car accident with two family members has $30,000 medical bill and they have a $2,500 individual deductible policy. Typically, the family will satisfy 2 deductibles and then 20% of the next $10,000 of charges before than plan pays 100% of all charges, i.e. $15,000 each would mean 2($2,500) + 2(20% ($10,000)) = $9,000 maximum Out Of Pocket family annual liability. (In this example the family is relieved from liability after each person exceeds $12,500 of annual claims). Traditionally this liability has a definite limit, but some health plans now forbid individual hospital per admission deductibles to attribute to the OOP.