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Home / Glossary Term / Catastrophic Plan

Catastrophic Plan

A catastrophic plan covers an individual or family in the event of a major medical emergency. While the plan offers low monthly premiums that often make it more affordable than other plans, its deductible is much higher. This means that the individual or family typically pays out of pocket for most medical care unless there is a catastrophic event. To qualify for a catastrophic plan, an individual must be under 30 years old or receive a “hardship exemption,” which is a determination that they are unable to afford health coverage.