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What is the best catastrophic health insurance plan?


These are health insurance plans for someone who rarely goes to the doctor and only wants protection in the case of a major medical claim were to arise like a critical illness or a long hospital stay. It is also meant for people that meet the requirements for hardship. There are very cheap monthly premiums for these plans. However, their deductibles are not low. The deductible for catastrophic plans as of last year was $8,150. For the costs incurred for most continual medical, you will be responsible for paying it, but coverage is offered by the plan for unforeseen circumstances such as emergencies that may need urgent or important attention. Like other marketplace plans, you also tend to enjoy the same benefit covered by the catastrophic plan. Also, preventive services are covered without any further cost. Clients that are looking for a major medical health insurance plan that will just cover catastrophic claims are usually hoping to get a high deductible plan with a $10,000 plus max out of pocket so they know they have a worst case scenario. Many private insurance plans with the United Health Care Choice Plus PPO Network will give clients less exposure with a $3,000 or $4,000 max out of pocket. Right now in most states the best catastrophic health insurance plan is on the United Health Care Choice Plus PPO Network that gives clients private health insurance at affordable rates with low max out of pockets.

Catastrophic Health Insurance-Who should get it?

This health insurance does not drain your bank account as it is affordable. However, not everyone can use catastrophic Health Insurance. People who are not old and healthy, having no ongoing-health problems, and are not required to be regularly cared for are the ones that can use this plan. In some cases, the local traditional care plan can sometimes be expensive, and as a result of this, it may not be affordable. In these situations, catastrophic plans come cheaper, which offers you coverage when accidents happen or when you are critically sick that you’d otherwise foot the bills on your own. 

If other options are available for you, like coverage provided by your employer or a local plan via the Affordable Care Act, lots of comprehensive coverage will be provided by the insurance plans, including deductibles that are very low. If you live with a serious health issue and need a doctor’s services to visit you regularly for treatment, the deductibles on catastrophic will not be cheap. The best choice is to choose a bronze or silver plan bought via marketplace insurance. 

How much does it cost?

Averagely, a catastrophic plan goes for $195 every month. However, your cost may vary depending on where you are located, your insurer, and your age. Significantly, the cost is lesser when compared to the cost of a bronze marketplace plan. As of last year, the cheapest bronze plan averagely costs $331 monthly. Alternatively, you can opt for short-term insurance, which will not cost you outrageously since it is not for permanent coverage. Also, they do not cover preexisting health issues. Typically, you can pay an affordable price of $124 a month for the short-term insurance plan.

Catastrophic Health Insurance-How to get it 

Purchasing a catastrophic Health plan is easy. It’s either through a marketplace or through the government’s provided means. The private insurance company is another place you can easily purchase it. Getting a health plan via the government’s provided means implies that you should not be above 30. Even if you are above this age and are eligible due to hardship, you must tender an exemption application before you select a plan. If you apply through the government, you will be allowed to compare various insurers’ plans to enable you to select out the most suitable one that provides the care you need. 

Purchasing it from a private company can lead to purchasing non-permanent short-term insurance, which covers you against serious injuries or sicknesses. You are not required to meet up with some conditions or eligibility. Conditions that have been existing for a long time are not covered with the short-term plan. 

The best catastrophic Health Insurance

For those who find monthly premiums unaffordable, choosing insurance provides a lasting solution for you since it is designed to get you covered when you suffer from a serious sickness or accident. If you are thinking about getting included in this plan, finding out the best catastrophic insurance with a cheaper rate and coverage is important. Here are some of the best insurances according to their rates and reputation. 

  • Choose Pivot Health for coverage in short-term
  • Choose Oscar for more benefits 
  • Choose Cross Blue Shield for the overall best plan 
  • Choose Kaiser Permanente for virtual care 

However, each has different advantages and disadvantages, which is important to know before you opt for any of them. 

Advantages of the Pivot Health 

  • It costs less when compared to other catastrophic health plans
  • Coverage can be gotten after 24 hours of your application
  • This health plan is accessible with the PPO network

Disadvantages of Pivot Health

  • You will be charged for enrolling
  • Total coverage have caps
  • Plans that cost less have a deductible that is more than an average

Advantages of Oscar Health 

  • Rewards that can be earned are attached to every healthy habit
  • There is the availability of urgent care 
  • The care team can be accessible by every single member

Disadvantages of Oscar Health 

  • The provider of the network is small 
  • It isn’t available in all markets as members can only access it in certain markets 
  • The number of complaints can be more than usual 

Advantages of Cross Blue Shield

  • Availability of larger provider of network 
  • For patients who travel outside of the US, there is emergency care that covers you 
  • There is a discount program for blue 365 members 

Disadvantages of Cross Blue Shield

  • Depending on where you are located, the customer service, including options, may vary 
  • Depending on the state you come from, there may be variance in pricing 
  • This plan doesn’t benefit from a premium tax credit 

Advantages of kaiser Permanente

  • Coverage for the provision of glasses and children’s eye exams with zero cost
  • You can get an appointment with a Telehealth the exact day by mail, telephone, or video
  • Various health services are being covered

Disadvantages of Kaiser Permanente

  • It is restricted in some locations
  • No inclusion of dental care 
  • You may need to be authorized before enjoying certain services 


Insurance policies, in the long run, can be of great benefit to the holder. Consider any of the policy providers available to you and make a fitting decision for your needs.