# Catastrophic Health Insurance? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [February 19, 2007, 5:11am UTC](https://boards.straightdope.com/t/catastrophic-health-insurance/392787 "2007-02-19T05:11:16Z")\ **Posts on this page:** 2\ **Page:** 1
**Author:** ![MysteryFellow63427](https://avatars.discourse-cdn.com/v4/letter/m/a88e4f/32.png) [@MysteryFellow63427](https://boards.straightdope.com/u/MysteryFellow63427)\ **Post date:** [February 19, 2007, 5:11am UTC](https://boards.straightdope.com/t/catastrophic-health-insurance/392787/1 "2007-02-19T05:11:16Z")
Anyone here have any experience with catastrophic health insurance plans? I’m in my mid 20s and currently have no health insurance whatsoever. I consider myself blessed with a good constitution; I very rarely feel the need to take OTC medicine, have only needed antibiotics once in the last 10 years, and have never been hospitalized for anything. However, I would hate to be in a car wreck or some other trauma and be facing a $100,000+ hospital debt. ---
**Author:** ![koeeoaddi](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/koeeoaddi/32/408_2.png) [@koeeoaddi](https://boards.straightdope.com/u/koeeoaddi)\ **Post date:** [February 19, 2007, 3:53pm UTC](https://boards.straightdope.com/t/catastrophic-health-insurance/392787/2 "2007-02-19T15:53:20Z")
Our daughter is about your age and her’s is $45 a month, with a $2500 deducible, IIRC. It’s basically catastrophic, but doctor visits are discounted and for some preventative services, the deductible is waived. There are a zillion on-line sites where you can compare prices and plans. I think it’s a very good idea, **neuroman** , and once you get it all hooked up, call your mom. She’ll sleep better. 🙂