Last updated: March 2026
How Much Does Catastrophic Health Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Individual Catastrophic Plan (monthly) | $0 – $0 | $150 – $350 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Catastrophic health plans have low premiums and very high deductibles. Available to people under 30 or those with hardship exemptions on the marketplace.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Catastrophic plans are available to people under 30 and those over 30 who qualify for a hardship or affordability exemption. They are sold on the marketplace.
Catastrophic plans cover essential health benefits after a high deductible (around $9,450 in 2024). They include 3 free primary care visits and free preventive services before the deductible.
Catastrophic plans have lower premiums than Bronze plans but higher deductibles. They are not eligible for premium subsidies, so subsidized Bronze plans may actually cost less.