Catastrophic health 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.
If you qualify for the premium tax credit or cost-sharing reductions, a Bronze or Silver plan may be a better value. Be sure to compare.
Who can get a Catastrophic plan
- People under 30 years
- Others who qualify for a hardship exemption or affordability exemption
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 preventive services at no cost. They also cover at least 3 primary care visits per year before you've met your deductible.
Get more details on what plans cover.