What is the maximum age to qualify for a catastrophic health insurance plan?

A catastrophic health insurance plan is designed primarily for young individuals who want to protect themselves against high medical costs while maintaining lower premium rates. In the Affordable Care Act's framework, the maximum age to qualify for such a plan is 30. This allows younger adults, who may not require extensive healthcare coverage due to their lower risk of serious health conditions, to have access to essential health benefits while keeping costs manageable.

These plans typically have lower premiums but higher deductibles, making them suitable for those who wish to avoid the financial burden of unexpected health issues without needing to pay for comprehensive coverage. After reaching the age of 30, individuals are no longer eligible for catastrophic plans and must seek different options that align with their healthcare needs, which might provide a broader range of services at a higher premium.