Catastrophic Health Insurance Plans
What is a Catastrophic Health Insurance Policy?
Catastrophic health insurance is a high deductible, low premium health insurance policy. This type of plan usually does not pay for regular doctor visits (check ups, etc.) but covers major hospital and medical expenses. People who choose this policy are generally healthy and do not require regular medical attention but want protection in case of emergency.
Health Insurance Plans
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What Do Catastrophic/Emergency Health Plans Cover?
Catastrophic Health Plans meet all of the requirements to be considered a Qualified Health Plan, which means if you have one, you won't have to pay a tax penalty at the end of the year. However, until the plan deductible has been met, the only benefits the plan offers are 3 primary care visits per year to.
Who Should Buy a Catastrophic Health Plan?
Catastrophic Health Plans are specifically designed for younger people that likely don't need the same amount of health coverage as older people. You need to be either under the age of 30 or qualify for a hardship exemption to purchase a Catastrophic Health Plan.
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