What is a Catastrophic Health Plan?
A qualified health plan under the ACA with higher deductible and coverage
Must cover Essential Health Benefits and preventive care
Lower premiums, higher out-of-pocket responsibility
Who can enroll in a Catastrophic Plan?
Eligible groups
Under age 30
Over age 30 with hardship or affordability exemption
Catastrophic Plan Coverage & Structure
Covers all 10 ACA Essential Health Benefits (EHBs)
Includes preventive services at no cost
High deductibles (2026 is approximately $10,600 individual)
Primary care visits covered partially before deductible
Generally not eligible for premium subsidies