Who qualifies for a catastrophic health insurance plan?

B is the correct choice because catastrophic health insurance plans are specifically designed for young individuals and those who may experience financial difficulties. Generally, these plans are available to individuals under the age of 30 or to those who qualify for a hardship exemption, which allows them to enroll in a plan that typically has lower monthly premiums but higher deductibles.

This structure is intended to provide a safety net for young and healthy individuals who may not expect to require extensive medical care but still want to protect themselves against unexpected, significant health expenses. The inclusion of hardship exemptions recognizes that some individuals may have financial challenges that make it difficult for them to access standard health insurance plans, thus offering them a more affordable option.

The other choices do not accurately describe the qualification criteria for catastrophic plans. For example, being over the age of 30 typically disqualifies individuals from this specific plan type, and although having a pre-existing condition is important in broader health insurance discussions, it does not directly relate to the eligibility for catastrophic plans as these are mainly aimed at younger consumers. Lastly, income levels do play a role in determining eligibility for other programs, but catastrophic plans are not defined by a specific income threshold as they cater to a different demographic.