BCBSVT Catastrophic Plan
Starting at
$421
/month before subsidy
BCBSVT Catastrophic Plan is a 2026 Catastrophic EPO health insurance plan from Issuer 13627, sold on the ACA Marketplace in Vermont under plan ID 13627VT0340001. The monthly premium starts at $421 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($21,200 for a family), and the individual out-of-pocket maximum is $10,600 ($10,600 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 13627VT0340001
- Plan year
- 2026
- State
- Vermont
- Metal level
- Catastrophic
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$10,600
Family: $21,200
Out-of-Pocket Max
$10,600
Family: $10,600
Coinsurance
0%
You pay after deductible
Network Type
EPO
VTN001
Medical Services
Prescription Drugs
Enter your ZIP code first to search nearby doctors.
This Catastrophic EPO 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 $10,600 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
$1,304/month
Annual Premium
$5,052
OOP Maximum
$10,600
💡 What this means:
With a $10,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from Issuer 13627 in Vermont
- BCBSVT Bronze CDHP Planfrom $988/mo
- BCBSVT Bronze Integrated Planfrom $987/mo
- BCBSVT Bronze Planfrom $933/mo
- BCBSVT Vermont Preferred Bronze Planfrom $951/mo
- BCBSVT Vermont Select Bronze CDHP Planfrom $945/mo
- BCBSVT Silver CDHP Planfrom $1596/mo
- BCBSVT Silver Planfrom $1532/mo
- BCBSVT Vermont Preferred Silver Planfrom $1498/mo
Frequently asked questions about BCBSVT Catastrophic Plan
How much does BCBSVT Catastrophic Plan cost per month?
BCBSVT Catastrophic Plan from Issuer 13627 starts at $421 per month before any subsidy in Vermont. 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 BCBSVT Catastrophic Plan?
The individual medical deductible is $10,600, and the family deductible is $21,200. 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 BCBSVT Catastrophic Plan?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $10,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BCBSVT Catastrophic Plan HSA-eligible?
No. BCBSVT Catastrophic Plan is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does BCBSVT Catastrophic Plan use?
BCBSVT Catastrophic Plan is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
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
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.