HA Catastrophic HSA
Starting at
$474
/month before subsidy
HA Catastrophic HSA is a 2027 Catastrophic POS health insurance plan from Health Advantage, sold on the ACA Marketplace in Arkansas under plan ID 13262AR0230013. The monthly premium starts at $474 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $12,000 ($24,000 for a family), and the individual out-of-pocket maximum is $12,000 ($24,000 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 13262AR0230013
- Plan year
- 2027
- State
- Arkansas
- Metal level
- Catastrophic
- Plan type
- POS
- HSA-eligible
- Yes
Individual Deductible
$12,000
Family: $24,000
Out-of-Pocket Max
$12,000
Family: $24,000
Coinsurance
0%
You pay after deductible
Network Type
POS
ARN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$12,000
your estimated cost
- Deductible
- $12,000
- Copays
- $0
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$7,360
your estimated cost
- Deductible
- $7,300
- Copays
- $0
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,900
your estimated cost
- Deductible
- $1,900
- Copays
- $0
- Coinsurance
- $0
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This Catastrophic POS plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.
Consider this plan if you:
- Rarely visit the doctor beyond annual checkups
- Have savings to cover the $12,000 deductible if needed
- Primarily need coverage for unexpected emergencies
- Want to minimize monthly healthcare expenses
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,474/month
Annual Premium
$5,688
OOP Maximum
$12,000
💡 What this means:
With a $12,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $12,000 total. Then insurance covers everything else for the year.
More plans from Health Advantage in Arkansas
Frequently asked questions about HA Catastrophic HSA
How much does HA Catastrophic HSA cost per month?
HA Catastrophic HSA from Health Advantage starts at $474 per month before any subsidy in Arkansas. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for HA Catastrophic HSA?
The individual medical deductible is $12,000, and the family deductible is $24,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for HA Catastrophic HSA?
The most you would pay in a year for covered in-network care is $12,000 for an individual and $24,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is HA Catastrophic HSA HSA-eligible?
Yes. HA Catastrophic HSA is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does HA Catastrophic HSA use?
HA Catastrophic HSA is a POS plan. POS plans blend HMO and PPO features: you pick a primary care provider and can go out of network at a higher cost.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.