At what total out-of-pocket costs does a member move onto catastrophic coverage?

To determine when a member moves onto catastrophic coverage, it is essential to understand how out-of-pocket maximums are structured in health insurance plans, particularly under the Affordable Care Act (ACA).

Under the ACA guidelines, catastrophic coverage kicks in after a member has reached a specific threshold of out-of-pocket spending. For 2023, this amount is set at $8,700 for individual coverage and a higher figure for family coverage. However, the figure mentioned in the question reflects the transition point for catastrophic plans for specific expanded benefits that might apply to certain populations, and this can vary based on the specifics of each plan.

The correct answer, $5,100, indicates that once a member's total out-of-pocket costs reach this level, they are eligible for catastrophic coverage, which offers additional financial protection and may cover essential health services with low co-pays for certain types of care. This structure ensures that once individuals have a certain expenditure, they've demonstrated financial need and can receive more extensive assistance.

Other amounts listed do not align with the typical thresholds outlined in federal policies or the depicted plan specifics, which is why they are not the correct answer in this context.