Do I qualify for a catastrophic plan?
Who is this for?
If you're looking for low-cost health insurance for individuals and families, this explains the requirements for purchasing a catastrophic plan.
Because of health care reform, almost everyone in the U.S. is now required to have health insurance. A catastrophic plan may be an option if you:
- Can't get or don't want Medicaid.
- Are under 30 years old.
- Are over 30 and meet the guidelines for a hardship exemption. This includes people whose plan was canceled by their insurer or small group employer.
What's a catastrophic plan?
Catastrophic plans have low monthly payments but a high deductible. A deductible is the amount you pay for health care services before your insurance starts to pay. Once you meet your deductible, our Blue Cross® Value (catastrophic) plans pay 100 percent for most services. Medical treatment for a serious illness or accident can cost thousands of dollars. So you can see how these plans protect you from catastrophic expenses—and how they're better than no insurance.
Here's a few other things you should know about catastrophic plans:
- They cover the same essential health benefits as other plans, including preventive care.
- You can't apply a subsidy to catastrophic plans.
- They don't pair with a health savings account.
How do I get a catastrophic plan?
You can start by checking out our catastrophic plans. If everyone who'll be covered by your plan is under 30, select Get a Quote to get a price and apply.
If you're over 30 years old and want to see if you meet the guidelines for hardship exemption, visit healthcare.gov for more information.
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