Catastrophic health plans

Catastrophic health insurance plans have low monthly premiums and very high deductibles. They may be an affordable way to protect yourself from worst-case scenarios, like getting seriously sick or injured. But you pay most routine medical expenses yourself.

Who can buy a Catastrophic plan

Only the following people are eligible:

If you’re eligible to buy a Catastrophic plan, you’ll see them displayed when you compare plans in the Marketplace.

How much Catastrophic plans cost

  • Monthly premiums are usually low, but you can’t use a premium tax credit to reduce your cost. If you qualify for a premium tax credit based on your income, a Bronze or Silver plan is likely to be a better value. Be sure to compare.
  • Deductibles — the amount you have to pay yourself for most services before the plan starts to pay anything — are very high.
    • For 2019, the deductible for all Catastrophic plans is $7,900.
    • For 2020, the deductible for all Catastrophic plans is $8,150.
  • After you spend that much, your insurance company pays for all covered services, with no copayment or coinsurance.

What Catastrophic plans cover

  • Catastrophic plans cover the same essential health benefits as other Marketplace plans.
  • Like other plans, Catastrophic plans cover certain preventive services at no cost.
  • They also cover at least 3 primary care visits per year before you’ve met your deductible.