What is catastrophic health coverage on the Marketplace?
Last updated Jul 22, 2026
Published by All Direct Answers · Licensed under Citation License 1.0
A catastrophic plan is a low-premium, high-deductible ACA Marketplace plan available to people under 30 or those with an approved hardship or affordability exemption; it covers essential health benefits and 3 primary-care visits per year before the deductible, per HealthCare.gov (2026), but is not e…
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