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What is a catastrophic health insurance plan?

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If you're under, 30 you can purchase a catastrophic health plan. You'll have a lower premium and get three primary care visits before your deductible applies. You also get free preventive care, even if you haven’t met the deductible.

You can see any doctors in the plan’s network. Individual plans may have additional rules on specialists.

SOURCES:

Fair Health, Inc.: "Alphabet Soup of Health Plans" and "Understanding High-Deductible Health Plans."

The Henry J. Kaiser Family Foundation. “Health Reform FAQs: Marketplace Eligibility, Enrollment Periods, Plans and Premiums.”

Society for Human  Resource Management: “For 2015, Higher Limits for HSA Contributions and Deductibles.”  

Internal Revenue Service.

Life and Health Insurance Foundation for Education: "What are the Different Types?"

Minnesota Medicine, February 2011: "Five Payment Models: The Pros, the Cons, the Potential."

Office of Personnel Management: "Healthcare Plan Information" and "2013 High-Deductible Health Plans with Health Savings Accounts/Health Reimbursement Arrangements."

U.S. Department of Health and Human Services, Agency for Healthcare Research and Quality: "Choosing a Health Plan."

Reviewed by Sarah Goodell on July 24, 2018

SOURCES:

Fair Health, Inc.: "Alphabet Soup of Health Plans" and "Understanding High-Deductible Health Plans."

The Henry J. Kaiser Family Foundation. “Health Reform FAQs: Marketplace Eligibility, Enrollment Periods, Plans and Premiums.”

Society for Human  Resource Management: “For 2015, Higher Limits for HSA Contributions and Deductibles.”  

Internal Revenue Service.

Life and Health Insurance Foundation for Education: "What are the Different Types?"

Minnesota Medicine, February 2011: "Five Payment Models: The Pros, the Cons, the Potential."

Office of Personnel Management: "Healthcare Plan Information" and "2013 High-Deductible Health Plans with Health Savings Accounts/Health Reimbursement Arrangements."

U.S. Department of Health and Human Services, Agency for Healthcare Research and Quality: "Choosing a Health Plan."

Reviewed by Sarah Goodell on July 24, 2018

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What is a high-deductible health insurance plan?

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THIS TOOL DOES NOT PROVIDE MEDICAL ADVICE. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.

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