Young Adults and Students

What is a Catastrophic Health Plan?

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A “Catastrophic plan” is a qualified health plan offered through the Marketplace that covers essential health benefits and requires the highest level of cost sharing allowable for essential health benefits. In 2020, under a “catastrophic policy,” the annual deductible for covered services is $8,100 for an individual (twice that amount for a family policy.) After you have satisfied the deductible, the plan will pay 100% for covered essential health benefit services that you receive from in-network providers for the remainder of the year. “Catastrophic policies” may also be sold by insurers outside of the health insurance Marketplace.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.