Catastrophic plans cover essential health benefits but with very high deductibles. Available only to applicants under 30 or those with hardship exemptions.
Typical cost
$180-$300/month for a 25-year-old.
How Cat plans work
- 01
Eligibility limited (under 30 or hardship exemption).
- 02
Very high deductible (~$9,450 in 2024).
- 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