By Joann Volk, Sabrina Fratellelli, and Justin
On September 4, 2025, the U.S. Division of Well being and Human Providers (HHS) launched steering increasing eligibility for catastrophic well being plans. These plans have been created by the Inexpensive Care Act (ACA) and are at the moment obtainable to a narrowly outlined universe of people based mostly on age and particular circumstances, and are designed to offer primary safety from catastrophic well being prices. Noting a necessity to assist individuals “handle the numerous rise in medical insurance premiums,” HHS’ steering considerably expands the universe of people eligible for these plans, with potential implications for shoppers’ entry to premium tax credit, states’ particular person insurance coverage markets, and premiums for each catastrophic and particular person market “steel degree” (bronze, silver, gold and platinum) plans.
Of their newest Knowledgeable Perspective for the Robert Wooden Johnson Basis’s State Well being & Worth Methods program, CHIR’s JoAnn Volk, Sabrina Corlette, and Justin Giovannelli assessment HHS’ new steering and assess the implications for shoppers, insurance coverage markets, and state insurance coverage regulators. You’ll be able to learn the complete put up right here.
