Question: I am eligible for catastrophic insurance due to my old plan being cancelled and my inability to find a plan that I can afford. I have been trying since December to find someone to quote me a price for catastrophic coverage and have yet to find anyone who can do that. Any suggestions on how to break through the Obamacare firewall and access these plans?
Answer: No over-30 rates or online applications available yet. Carriers are just beginning to set up application processes to open off-exchange catastrophic plans to new or current individual members, 30 years of age or older to apply if the attest to their plan being cancelled due to the ACA, and finding other plans unaffordable. So far, no news from Covered California about opening on-exchange catastrophic plans. Background: In late December, HHS released guidance that allow individual plan members with discontinued policies to be eligible for a hardship exemption from the individual mandate and enroll in catastrophic plans that were previously only available to individuals under 30.