I notice “Catastrophic plans” that look even cheaper than other Marketplace plans. What are those, and can I buy one?

Catastrophic plans have the highest cost sharing and lowest premiums. In 2026, Catastrophic plans will have an annual deductible of $10,600 for an individual or $21,200 for a family. The plan does not have to cover more than three primary care visits before the deductible has been met. Catastrophic plans may only be sold to certain individuals. See this FAQ for details.

Note that if you are eligible for financial assistance on the Marketplace, it cannot be applied to a Catastrophic plan.