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CatastrophicHMOHSA Eligible

Catastrophic Standard

Antidote Health Plan of Arizona, Inc.

Starting at

$386

/month before subsidy

Key facts

Catastrophic Standard is a 2027 Catastrophic HMO health insurance plan from Antidote Health Plan of Arizona, Inc., sold on the ACA Marketplace in Arizona under plan ID 68445AZ0010050. The monthly premium starts at $386 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
68445AZ0010050
Plan year
2027
State
Arizona
Metal level
Catastrophic
Plan type
HMO
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

HMO

AZN001

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care VisitNo Charge after deductible
Specialist Visit0.00% Coinsurance after deductible
Urgent Care0.00% Coinsurance after deductible
Emergency Room0.00% Coinsurance after deductible

Prescription Drugs

Generic Drugs0.00% Coinsurance after deductible
Brand Name Drugs0.00% Coinsurance after deductible
Specialty Drugs0.00% Coinsurance after deductible
What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

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

$840

your estimated cost

Deductible
$840
Copays
$0
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,100

your estimated cost

Deductible
$2,100
Copays
$0
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by Antidote Health Plan of Arizona, Inc.. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

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 $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.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,386/month

Annual Premium

$4,632

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 Antidote Health Plan of Arizona, Inc. in Arizona

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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 Arizona, Inc. starts at $386 per month before any subsidy in Arizona. 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 $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 Catastrophic Standard?

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 Catastrophic Standard HSA-eligible?

Yes. Catastrophic Standard 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 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

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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.