I did some further snooping around comparing my company’s plan with catastrophic coverage for a person of age 25. They have increased the price of catastrophic plans to the point it would make no sense for a household member under 26 to buy one as long as they lived in town or in the basement. The cheapest catastrophic plan for a 25 year old is $250 a month.
Good Lord! My family plan is under $500.
And that keeps our Rx’s at no charge and pcp Appts at no charge. So, you can see why it’s a much better decision to have a family plan.