Disponible en inglés: Yes. People under age 30, or those who are older than 30 and have been certified by the federal Department of Health and Human Services to qualify for a hardship or affordability exemption, may purchase a “catastrophic” health plan through Maryland Health Connection. Click here for more information on exemptions.
“Catastrophic” health plans protect you from very high medical costs caused by an unanticipated condition or event. You are generally required to pay all of your medical costs up to a certain amount. Costs for essential health benefits over that amount are generally paid by the insurance company. You will also get three primary care visits per year and key preventive benefits at no cost.
Premiums tend to be lower with a catastrophic plan as compared to a traditional health insurance plan. However, if you qualify for and buy a catastrophic plan, you won’t be eligible for tax credits that may lower your premium costs or for other subsidies.
When you fill out an application for coverage, you’ll see catastrophic plans listed as an option if you qualify for them. If you don’t qualify, you won’t see them as an option to select.