Catastrophic Standard
Starting at
$329
/month before subsidy
Catastrophic Standard is a 2025 Catastrophic HMO health insurance plan from Antidote Health Plan of Ohio, Inc., sold on the ACA Marketplace in Ohio under plan ID 31981OH0010050. The monthly premium starts at $329 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $9,200 ($18,400 for a family), and the individual out-of-pocket maximum is $9,200 ($18,400 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 31981OH0010050
- Plan year
- 2025
- State
- Ohio
- Metal level
- Catastrophic
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$9,200
Family: $18,400
Out-of-Pocket Max
$9,200
Family: $18,400
Coinsurance
0%
You pay after deductible
Network Type
HMO
OHN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$9,260
your estimated cost
- Deductible
- $9,200
- Copays
- $0
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$5,420
your estimated cost
- Deductible
- $5,400
- Copays
- $0
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Catastrophic HMO 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 $9,200 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
$1,096/month
Annual Premium
$3,948
OOP Maximum
$9,200
💡 What this means:
With a $9,200 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $9,200 total. Then insurance covers everything else for the year.
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Frequently asked questions about Catastrophic Standard
How much does Catastrophic Standard cost per month?
Catastrophic Standard from Antidote Health Plan of Ohio, Inc. starts at $329 per month before any subsidy in Ohio. 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 Catastrophic Standard?
The individual medical deductible is $9,200, and the family deductible is $18,400. 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 Catastrophic Standard?
The most you would pay in a year for covered in-network care is $9,200 for an individual and $18,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Catastrophic Standard HSA-eligible?
No. Catastrophic Standard 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 Catastrophic Standard use?
Catastrophic Standard is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
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.