Catastrophic plans are only available to people younger than 30 years old or to those who have been granted a hardship or affordability exemption from Access Health CT. You are not eligible to get financial help to pay for Catastrophic plans. 

These plans have low monthly premiums and provide the lowest level of coverage, but they have higher out-of-pocket costs than other types of plans. 

When you fill out an application for coverage, you’ll see Catastrophic Plans listed as an option only if you qualify for them. If you don’t qualify, you won’t see them as an option to select. An exemption for hardship or affordability to purchase a catastrophic plan can only be granted by Access Health CT. Click here to download the application and the instructions about how to complete the form. 

Is this plan for you? 

This may be a good option for people who want protection from worst-case scenarios, like getting seriously sick or injured, but you will pay most routine medical expenses yourself. These plans have low monthly premiums, but also have high deductibles (your deductible is the amount you pay for covered healthcare services before your insurance plan starts to pay). Your deductible will be waived for your first 3 primary care visits, but you must meet the plan deductible for all other covered services before the plan provides coverage. After you spend the deductible amount, your insurance company pays for all covered services, with no copayment or coinsurance. If you qualify for premium tax credits based on your household income, they cannot be applied to a Catastrophic plan so you may want to consider a Bronze or Silver plan which may be a better value. Be sure to compare.

For more information about the types of plans, you can get through Access Health CT, click here.