What category of plans are offered specifically for younger individuals?

Catastrophic plans are designed primarily for younger individuals who may not require extensive health coverage but want to have protection against significant medical expenses. These plans typically have lower monthly premiums and higher deductibles than other types of plans. They are aimed at healthy young people who are willing to take on more risk in exchange for lower premium costs, aligning with the financial capacity and health status of many in this age group.

While Gold Plans offer comprehensive coverage with higher premiums and lower out-of-pocket costs, they cater to a broader demographic and do not specifically target younger individuals. Pediatric Plans focus on covering health care needs related to children but are not exclusive to younger adults. Standard Plans provide a baseline of coverage but again do not specifically address the needs or circumstances of younger individuals as effectively as catastrophic options. Therefore, catastrophic plans are the most tailored choice for younger people, focusing on affordability while still providing essential safety against unexpected medical emergencies.