Certain individuals may qualify for "catastrophic" plans that have limited benefits at a potentially lower monthly premium cost with a higher deductible. While one must be under 30 years old to qualify for these plans, others may qualify if there is financial hardship. If you believe you may qualify for these plans, please contact the call center for assistance at 877-628-5076 between 8am and 8pm.
About the Health Insurance Exchange
A Health Insurance Exchange (HIX) is a resource for people seeking health insurance. Under the Patient Protection and Affordable Care Act of 2010, each state is required to create an Exchange. Individual insurance buyers can select any variety of plans within the Exchange including HMOs, PPOs and fee-for-service plans, all of which are administered by private insurance companies.
Individuals are not required to purchase a plan that is included in the Exchange, but these plans are less expensive than comparable plans outisde the Exchange due to the concept of shared risk.