The 2027 Federal Actuarial Value Calculator (AVC), released on February 25, 2026, maintains a methodology consistent with previous versions, though it incorporates partially updated underlying data and revised Platinum continuance tables . Inflation continues to drive high trend, pushing many plans beyond the upper thresholds of the de minimis ranges and putting them out of compliance. Offsetting this, the 2027 Maximum Out of Pocket (MOOP) limit increased sharply – from $10,600 in 2026 to $12,000 in 2027 – the largest MOOP jump to date. The proposed 2027 Notice of Benefit and Payment Parameters (NBPP) also suggests the possibility of even higher MOOP limits for Bronze and Catastrophic metal tiers up to 130%. The combined effects of these adjustments, and their implications for plan compliance and value, are examined further in the following sections.
