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Can I get health insurance just in case of a crisis?

You can get health insurance that will cover you in the event of a health crisis by opting for a catastrophic health plan. These plans typically have relatively low monthly costs, but high deductibles. They can be good options for someone who is generally healthy and usually doesn't need many medical visits throughout the year, but wants to be covered in case of a medical crisis. Here are some key points about catastrophic health plans.
  • They typically cover minimal preventive services, such as immunizations, screening for depression or diabetes and up to three primary care visits per year at no costs.
  • They typically cover less than 60 percent of total costs of medical services; you would be responsible for the remaining 40+ percent.
  • Once you have met your deductible for the year (which may be as high as $6850 for a catastrophic individual plan in the marketplace) the plan pays 100 percent of your remaining expenses for the plan year.
  • If you want to enroll in a catastrophic health plan you must be under age 30, unable to get (or don't want) Medicaid, or qualify for the government definition of a hardship exemption.
For more information about catastrophic health plans, visit www.healthcare.gov. 

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.