Starting in 2014 everyone must have qualified insurance. It will cover essential health benefits. The cheapest plans will pay at least 60% of health care costs.
Catastrophic insurance can meet this need for people under age 30. It also does for people with financial hardship or who cannot afford more costly coverage. These plans:
- Cover three primary care visits
- Cover preventive care
- Cover essential health benefits only after the insured has met their cost-sharing requirement. ($5,950/individual, $11,900/family).