Employee Net Out Of Pocket™ is a value that refers to the employee's Out of Pocket Maximum through the insurance policy less any funding through employer contributions of HSA's or HRA's. This helps reinforce the educational concept of insurance of the health plan being made up of parts. The insured out of pocket maximum is only the underlying coverage. The real out of pocket maximum or Net Out Of Pocket Maximum is the real number employees should use when comparing health plan options.