Wellpoint Essential Catastrophic (+ Incentives)
Starting at
$241
/month before subsidy
Wellpoint Essential Catastrophic (+ Incentives) is a 2026 Catastrophic HMO health insurance plan from Issuer 72545, sold on the ACA Marketplace in Maryland under plan ID 72545MD0010004. The monthly premium starts at $241 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($10,600 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 HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 72545MD0010004
- Plan year
- 2026
- State
- Maryland
- Metal level
- Catastrophic
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$10,600
Family: $10,600
Out-of-Pocket Max
$10,600
Family: $10,600
Coinsurance
0%
You pay after deductible
Network Type
HMO
MDN002
Medical Services
Prescription Drugs
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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 $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
$1,124/month
Annual Premium
$2,892
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 72545 in Maryland
- Wellpoint Essential Bronze 5500 ($0 Virtual PCP + Incentives)from $332/mo
- Wellpoint Essential Bronze 6000 for HSA (+ Incentives)from $334/mo
- Wellpoint Essential Bronze Value 10150 ($0 Virtual PCP + Incentives)from $348/mo
- Wellpoint Essential Silver 2600 ($0 Virtual PCP + Incentives)from $437/mo
- Wellpoint Essential Silver 4000 ($0 Virtual PCP + Incentives)from $444/mo
- Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives)from $459/mo
- Wellpoint Essential Gold 1500 ($0 Virtual PCP + Incentives)from $404/mo
- Wellpoint Essential Gold 800 ($0 Virtual PCP + Incentives)from $411/mo
Frequently asked questions about Wellpoint Essential Catastrophic (+ Incentives)
How much does Wellpoint Essential Catastrophic (+ Incentives) cost per month?
Wellpoint Essential Catastrophic (+ Incentives) from Issuer 72545 starts at $241 per month before any subsidy in Maryland. 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 Wellpoint Essential Catastrophic (+ Incentives)?
The individual medical deductible is $10,600, and the family deductible is $10,600. 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 Wellpoint Essential Catastrophic (+ Incentives)?
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 Wellpoint Essential Catastrophic (+ Incentives) HSA-eligible?
Yes. Wellpoint Essential Catastrophic (+ Incentives) 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 Wellpoint Essential Catastrophic (+ Incentives) use?
Wellpoint Essential Catastrophic (+ Incentives) 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
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.