How to pick a health insurance plan
Catastrophic health plans
Catastrophic health plans have low monthly
and very high
. They may be an affordable way to protect yourself from worst-case scenarios, like getting seriously sick or injured.
If you qualify for the
or
, a Bronze or Silver plan may be a better value. Be sure to compare.
Who can get a Catastrophic plan
- People under 30 years
- People over 30 years and don't qualify for savings on a Marketplace plan
- Others who qualify for a hardship exemption or affordability exemption (based on Marketplace or job-based insurance being unaffordable)
To find out if you qualify for a Catastrophic plan, make sure to ask the Marketplace to check for
when you submit or update your application. Catastrophic plans might not be available in all areas. Be sure to compare Marketplace plans available to you to find one that meets your needs and budget.
What Catastrophic plans cover
Catastrophic plans cover the same 10 essential health benefits as other Marketplace plans, including
at no cost. They also cover at least 3 primary care visits per year before you've met your deductible.