What is a Catastrophic Health Plan?

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 2019, under a “catastrophic policy,” the annual deductible for covered services is $7,900 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.

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