What is the MOOP Rollover and how does it work?

If you do not meet your maximum-out-of-pocket ("MOOP") for the year, half of what you paid toward your MOOP rolls over at renewal. This amount is used as a credit toward the following plan year's MOOP.

For example, if you were enrolled in the $7,500 MOOP plan and spent $3,000 toward your annual MOOP, $1,500 will be credited towards your next plan year's MOOP upon renewal, reducing your following plan year's MOOP to $6,000.