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 those benefits. For 2025, under a “catastrophic policy,” the annual deductible for covered services is $9,200 for an individual. The plan will only cover three primary care visits until the deductible is met. You will not receive financial assistance to purchase a catastrophic plan that you may otherwise be eligible for if you choose a more comprehensive Marketplace plan. Catastrophic plans may also be sold by insurers outside of the health insurance Marketplace.