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The most you have to pay for covered services in a plan year.
After you spend this amount on services, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits. The out-of-pocket max doesn’t include your monthly premium.
 
With many Short Term Plans it MAY NOT INCLUDE YOUR DEDUCTIBLE! (National General & United Healthcare)
*This excludes Pivot, where your max out-of-pocket IS your total responsibility )
You must add Deductible and Max out of pocket to figure your total responsibility.
When choosing a supplement, you want to cover as much of that total responsibility.