Can I Buy Catastrophic Insurance Apr 2026

They feature very high annual deductibles ($9,200 for individuals in 2025), meaning you pay most costs until that amount is met.

To enroll, you must be under 30 years old, or, if 30 or older, qualify for a hardship or affordability exemption (e.g., in cases of homelessness, bankruptcy, or when coverage is deemed unaffordable). How Catastrophic Plans Work can i buy catastrophic insurance

You cannot use premium tax credits to lower the costs of these plans. Comparison and Enrollment They feature very high annual deductibles ($9,200 for

After the deductible is met, the plan covers 100% of covered in-network costs. Comparison and Enrollment After the deductible is met,

Despite high costs, they cover certain preventive services and at least three primary care visits annually before the deductible is reached.

While offering the lowest premiums, they are less flexible than Bronze plans for those needing regular care. To enroll, you must apply through the Marketplace (often needing an exemption certificate if over 30) during designated enrollment periods. Catastrophic Plan Information | HealthCare.gov