Looking for a health plan that covers life’s major emergencies? Insurance for big medical events is considered Catastrophic health insurance, also sometimes called major medical insurance. Generally, it’s for people who either don’t go to the doctor often or aren’t concerned about paying for minor health care expenses out-of-pocket as they come up.

A Catastrophic Plan Is for You If:

  • You don’t go to the doctor often
  • You can pay for minor health care expenses out-of-pocket
  • You want to save on monthly premiums

To Apply, You Must Qualify

  1. You’re under age 30.


  2. You’ve completed a Hardship Exemption Application to find out if you’re eligible, including whether minimal essential coverage is affordable.

Examples of Covered Major Medical Events

  • Heart Attack
  • Cancer
  • Trauma
  • Hospitalization
  • Surgery

Catastrophic Plan Advantages:

Lowest premiums of our plans.

Access to the UnitedHealthcare Network and its discounts.

Simple design: Meet your deductible and the plan pays a percentage of covered expenses.

Three in-network primary care doctor office visits (per covered person, per calendar year) for history and exam with a copay.

Catastrophic Insurance helps cover hospital stays

A Catastrophic Plan Scenario

Let’s say you are a person who rarely visits the doctor and can pay for routine medical bills, such as an ear infection or blood pressure check. You purchase a Catastrophic plan in which your coinsurance is 20%. This means that after your deductible is met, you pay 20% of covered medical bills and we pay 80%.

Unfortunately, you have an accident that requires surgery, an extended hospital stay and rehabilitation. These services can cost thousands of dollars and are likely much more than your deductible. In this scenario, you would just pay your deductible and then 20% of the covered expenses until you reach your coinsurance out-of-pocket maximum. What a relief!