Updated Penalties & 2027 Health Plan Out-of-Pocket Maximums

For 2026 Health Plans:

• Health Insurance Portability and Accountability Act (HIPAA) penalties: $145–$73,011 per violation (up to $2.19M/year)

• Summary of Benefits and Coverage (SBC) penalty: $1,443 per failure

• Medicare Secondary Payor (MSP) penalty: $11,823 per failure

For 2027 Health Plans:

• OOP max: $12,000 individual / $24,000 family

• Employer mandate (§4980H) penalties:
  • $3,780 per year
  • $5,670 per year