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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Catastrophic Health Plans in 2014

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Question: Are catastrophic health plans optional under the Affordable Care Act?

Answer: The ACA requires that qualified plans offer essential health benefits that among other requirements limit cost-sharing (out-of-pocket maximum and maximum deductible). In 2014, out-of-pocket expenses cannot exceed the HSA compatible high deductible health plans. based on that, todays limits would be $6,250 for family (2 or more) and $3,150 for an individual. Deductibles will be limited to $4,000 for families and $2,000 for individuals. Depending on your current coverage you may consider this catastrophic coverage, but these limits are much lower that current high deductible health plans.

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If you are under 30 and do not feel the need to buy health insurance, but are compelled to do so because of the individual mandate, “catastrophic” insurance plans will be available. The plan will be less expensive than the bronze plan and will include prevention benefits and three annual visits to your primary care doctor.

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