Catastrophic plans cover essential health benefits but with very high deductibles. Available only to applicants under 30 or those with hardship exemptions.
What it costs
Your premium depends on your age, your health, your ZIP code and which carriers are available where you live. We will not guess at it. Call (714) 922-0043 and we will run real numbers for your situation, at no cost.
How Cat plans work
- 01
Eligibility limited (under 30 or hardship exemption).
- 02
Very high deductible, set annually by the IRS. Confirm the current figure with a licensed agent.
- 03
Covers 3 primary care visits before deductible.
- 04
No-cost preventive care.
Pros
- • Lowest ACA-compliant premium
- • True catastrophic protection
Cons
- • Limited eligibility
- • Very high out-of-pocket exposure
Best for
- Young, healthy adults seeking minimum-premium coverage