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Catastrophic Plan

catastrophic plan infographicA catastrophic health insurance plan is for individuals under 30 and is a type of health care coverage that protects you for worst-case scenarios, which emphasizes coverage for hospitalization or serious illnesses.

Is a Catastrophic Health Plan the Best Health Insurance Option For You?

A catastrophic health insurance plan from Independence Blue Cross may be the best option for you if you:

  • Live in one of these five counties
  • Are under the age 30
  • Qualify for an exemption due to extreme financial hardship
  • Received cancellation of your plan because it does not comply with the Health Care Law
  • You are young and healthy and need health coverage for “just-in-case” moments
  • You qualify and are willing to pay a higher deductible for lower monthly payments

Plan Name


Primary Care Physician Visit

Specialist Visit

Inpatient Hospital

Generic Prescription Drugs

Personal Choice Catastrophic


Visits 1-3: $50
Visits 4+: 0% after deductible

0% after deductible

0% after deductible

0% after deductible (integrated with medical deductible)

Like all Independence Blue Cross health plans, the catastrophic health insurance plan* includes the ten Essential Health Benefits, but will have a higher deductible and a lower monthly rate than the platinum, gold, silver, or bronze insurance plans. Individuals will have to reach a deductible of $6,660 before they receive benefits for covered health care services, while families will need to pay a deductible of $13,200 before they receive benefits. If you select a catastrophic plan, you will get three primary care physician office visits each year that are not subject to the deductible.

Additional information

Review important information to get a better understanding of our individual and family health insurance policies and guidelines and the steps we take to help you receive appropriate covered services.

* Personal Choice Catastrophic plan does not have out-of network coverage, except for emergency care services.