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ACA Marketplace Plans

Catastrophic Plans in Florida

Catastrophic

Compare 2 Catastrophic ACA marketplace plans from 2 issuers.

How we get our data

Our insurance data is sourced directly from the CMS ACA Marketplace (HIOS), the federal database that insurers are required to report to. We process that data to surface standardized out-of-pocket cost estimates based on three SBC scenarios defined by CMS: having a baby, managing diabetes, and treating a fracture. We update our data annually with each new plan year and link to the original SBC documents so you can verify costs directly with the insurer.

Learn more about our data

Total Plans

2

Issuers

2

HSA-Eligible

2

Avg Baby Cost

$10,260

Catastrophic health insurance plans in Florida offer the lowest monthly premiums available on the CMS marketplace, but they come with very high deductibles and out-of-pocket costs. These plans are specifically designed for people under 30 or those who qualify for a hardship exemption, serving as a safety net for major medical emergencies rather than routine healthcare needs.

Unlike Bronze, Silver, Gold, and Platinum plans that cover a predictable percentage of healthcare costs (60-90% actuarial value), Catastrophic plans are structured differently. They cover three primary care visits per year before you meet your deductible, along with essential health benefits and preventive care at no cost. However, for most other medical services, you'll pay the full cost until you reach your plan's high deductible.

Currently, there are 2 Catastrophic plans available in Florida from 2 different insurance companies, both structured as HMO plans. These plans are ideal for young, healthy individuals who want protection against worst-case medical scenarios while keeping monthly premium costs as low as possible.

Cost Scenarios

Normal delivery

Having a Baby

$10,260
Median Out-of-Pocket
Min $9,860Max $10,660
P25 $10,060P75 $10,460

Type 2, routine care

Managing Diabetes

$5,220
Median Out-of-Pocket
Min $5,120Max $5,320
P25 $5,170P75 $5,270

Emergency room treatment

Simple Fracture

$2,800
Median Out-of-Pocket
Min $2,800Max $2,800
P25 $2,800P75 $2,800

Plan Comparison

Showing 2 of 2 plans
Plan Name Issuer Type HSABaby OOP ↑Diabetes OOP Fracture OOP SBC
Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)Health First Commercial Plans, Inc.HMOYes$9,860$5,120$2,800PDF
Wellpoint Essential Catastrophic (+ Incentives)WellpointHMOYes$10,660$5,320$2,800PDF

Issuers Offering Catastrophic Plans

IssuerPlansAvg Baby CostAvg Diabetes CostAvg Fracture Cost
Health First Commercial Plans, Inc.1$9,860$5,120$2,800
Wellpoint1$10,660$5,320$2,800

Frequently Asked Questions

Who is eligible for Catastrophic health plans in Florida?

Catastrophic plans are only available to people under age 30 or those who qualify for a hardship exemption regardless of age. You cannot receive premium tax credits or cost-sharing reductions with Catastrophic plans.

How much will I pay for common medical services with Florida Catastrophic plans?

Based on SBC scenarios, having a baby costs $9,860-$10,660, managing diabetes costs $5,120-$5,320 annually, and treating a simple fracture costs $2,800. You'll pay these full amounts since they're typically below the plan deductibles.

Can I use an HSA with Catastrophic plans in Florida?

Yes, both Catastrophic plans available in Florida are HSA-eligible. You can contribute up to $4,150 annually (2024 limit) to an HSA to help pay for medical expenses and the high deductible.

What's covered before I meet my deductible on Florida Catastrophic plans?

All Catastrophic plans cover three primary care visits per year, preventive care, and required essential health benefits screenings before you meet your deductible. Most other services require you to pay the full cost until reaching your deductible.

Are all Catastrophic plans in Florida the same type?

Both Catastrophic plans available in Florida are HMO plans, meaning you must use in-network providers for coverage and typically need referrals to see specialists. However, they're offered by 2 different insurance companies with different networks and specific benefits.

Find the Right Catastrophic Plan in Florida

Compare out-of-pocket costs across 2 Catastrophic plans. Our AI navigator can help you understand which plan fits your healthcare needs and budget.

Talk to Our AI Navigator

Disclaimer: Our AI navigator provides information collected from trusted sources only and does not constitute licensed insurance advice.

Written by Jayant Panwar | Last reviewed: Q1 2026 | Last updated: January 2026

Insurance Disclaimer: This information is for educational purposes only and does not constitute insurance advice or a recommendation to enroll in any plan. SBC scenarios show standardized cost estimates — your actual costs will vary. Plans shown are CMS marketplace Catastrophic plans in Florida only. Consult your insurance company for accurate cost estimates.

Data source: CMS ACA Marketplace (HIOS), 2026 plan year. See our data methodology and editorial policy. Found an error? Report an inaccuracy.