US Medical Term · insurance
Catastrophic Plan
Plan catastrófico
In 9 languages
| Language | Term |
|---|---|
| English | Catastrophic Plan |
| Spanish (Español) | Plan catastrófico |
| Chinese (中文) | 災難性保險計畫 |
| Korean (한국어) | 재난 보험 |
| Vietnamese (Tiếng Việt) | Kế hoạch thảm họa |
| Filipino (Tagalog) | Catastrophic plan |
| Portuguese (Português) | Plano catastrófico |
| Thai (ภาษาไทย) | แผนประกันภัยพิบัติ |
| Japanese (日本語) | カタストロフィックプラン |
What it means
A catastrophic health plan is a type of ACA-compliant health insurance with very low monthly premiums and a very high annual deductible — equal to the ACA's out-of-pocket maximum limit (over $9,000 for an individual in 2024). Catastrophic plans cover three primary care visits per year at no cost and all ACA-required preventive services before the deductible. They are available only to people under age 30 or to those who qualify for a hardship or affordability exemption. Because premiums are very low, these plans are designed to protect against worst-case medical scenarios while keeping everyday costs out-of-pocket. You cannot use premium tax credits with a catastrophic plan.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
Am I eligible for a catastrophic plan because I am under 30?
¿Soy elegible para un plan catastrófico porque tengo menos de 30 años?
How many primary care visits are covered before I meet my catastrophic plan deductible?
¿Cuántas visitas de atención primaria están cubiertas antes de alcanzar el deducible de mi plan catastrófico?
Can I use a premium tax credit to lower the cost of a catastrophic plan?
¿Puedo usar un crédito fiscal de prima para reducir el costo de un plan catastrófico?
Where you'll see it
Related terms
Sources
Last reviewed: September 2026