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Are you looking to save on monthly premiums?

Stay protected in the case of major medical emergencies with our affordable catastrophic health insurance plans.
Catastrophic Health Insurance Plans

Save money while staying prepared.

Are you under the age of 30, or qualify for a hardship exemption? Benefit from low monthly premiums and catastrophic coverage.


Frequently Asked Questions

Why do I need catastrophic health insurance?

Health insurance supports the cost of medical care for you, your family, or your business. Without insurance, it’s up to you to pay the full cost of any care you receive, preventative or otherwise. 

Catastrophic health insurance is meant for individuals who are under 30 and/or those who qualify for a hardship exemption. Exemptions indicate that health insurance isn’t affordable due to recent homelessness, bankruptcy, or other qualifying criteria. 

In the case of medical emergencies, such as accidents, injuries, and sudden illnesses, among others, catastrophic health insurance covers your healthcare expenses once you’ve met your deductible. Certain preventative services, including checkups, flu shots, and routine screenings, are also covered.

How does catastrophic health insurance work?

You pay a monthly fee—known as a premium—to keep your healthcare coverage. As a general rule, catastrophic health insurance plans offer low monthly premiums with a high deductible. 

Buying health insurance on your own is more expensive than sharing the cost of premiums with an employer. That’s why some insurance plans partner with healthcare providers and facilities to offer care at lower rates. This is known as managed care.

What is a PPO?

PPO stands for preferred provider organization. Unlike other types of managed care, PPO plan subscribers benefit from nationwide coverage. For instance—for families covered under My Private Health Insurance—out-of-state college students are free to seek care from local providers while staying covered.

Is My Private Health Insurance less expensive than COBRA?

COBRA costs aren’t shared with employers, which can make them quite expensive. It’s worth keeping in mind that COBRA insurance only provides you with the coverage you had under your employer—COBRA doesn’t include hospital care insurance, life insurance, or disability, among other types of coverage. 

My Private Health Insurance is an alternative to COBRA that can be less costly while more inclusive.

What’s covered and what’s not?

Every plan has its limits. It’s important to understand what a plan covers and what it doesn’t. To gain a better understanding of benefits, premiums, and deductibles, get in touch with one of our agents today. We’ll help you find the perfect coverage for your needs.

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Prepare for unexpected medical emergencies with coverage you can depend on.


Get in touch with our team to learn more

Make your health a priority by preparing for the unexpected. Contact one of our agents today to walk through your best options.

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