ACA health insurance
Catastrophic health plans: who can buy one and who should
Catastrophic plans are generally open to people under 30, or to people who get a hardship or affordability exemption. They have low premiums and a high deductible, so they protect against large bills more than they pay for routine care.
What to know
- Eligibility is limited by age or an exemption.
- Certain preventive services are covered before you meet the deductible.
- Premium savings generally do not apply to catastrophic plans, so compare the full price.
Who it tends to fit
Healthy people who want protection from a major event and can afford the deductible if one happens. If you take regular medicines or see specialists, a different plan may cost less in total.
Have this ready when you call
- Your age
- Your expected care for the year
- Any exemption letter you have
Common questions
Can I get savings on a catastrophic plan?
Generally not. Compare with a Bronze plan after savings.
How do I get a hardship exemption?
Through the marketplace. Ask us and we can point you to the right form.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.