2021 Affordable Health Insurance Plans in Idaho

You can easily enroll in a health insurance plan in Idaho. Visit Your Health Idaho to view available plans and rates on the state-run Affordable Care Act-compliant marketplace. Extended enrollment for health insurance plans with premium subsidies in Idaho is open until August 15, 2021.

Highlights and Updates

  • Idaho residents can enroll at Your Health Idaho on the state-run exchange.
  • During the special enrollment period through August 15, 2021, residents can take advantage of newly available subsidies.
  • The American Rescue Plan offers premium subsidies to qualifying residents of Idaho in Twin Falls, Boise, Idaho falls, and other counties.
  • Short-term health insurance in Idaho is available for up to 364 days.
  • The average monthly benchmark premium for 2021 health insurance in Idaho is $495.
  • Idaho has five healthcare providers through the state exchange: Blue Cross of Idaho, PacificSource, Mountain Health CO-OP, SelectHealth, and Regence BlueShield of Idaho.
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How to buy Health Insurance in Idaho 

If you do not have coverage through your employer, you can buy health insurance in Idaho on the state exchange website. Health insurance plans are available in three different metal tiers: Bronze, Silver, and Gold.

Your premium rates depend on which tier level coverage you select and if you qualify for a subsidy. Bronze tier plans have low premiums and high deductibles, but Gold tier plans have high premiums and low deductibles. Low-income and eligible residents can obtain Medicaid coverage.

How to Apply for Health Insurance in Idaho

You can obtain health insurance in Idaho by visiting the state exchange marketplace. Enter your information at Your Health Idaho and browse the list of available policies. View your plan options by price or tier level.

Health Insurance Carriers in Idaho

Idaho has five health insurance companies offering coverage via the state marketplace: Blue Cross of Idaho, PacificSource, Mountain Health CO-OP, SelectHealth, and Regence BlueShield of Idaho.

What are the Cheapest Health Insurance Companies in Idaho?

Idaho has five health insurance providers to choose from on its state exchange.

Depending on your preferred plan type and county of residence, some providers are more affordable than others. The average rate increase for Idaho plans in 2021 compared to 2020 is 1%.

How has Obamacare Helped Idaho’s Uninsured?

The uninsured rate in Idaho dropped by 6% between 2013 and 2016. Since 2020, Your Health Idaho reports 72,000 enrollees in the state exchange. Currently, 86% of participants receive premium subsidies. 

Idaho Health Insurance Costs Overview

Idaho has three primary health insurance metal tiers: Bronze, Silver, and Gold. Typically, Bronze plans are most affordable, while Gold plans offer the most comprehensive coverage.

How Much Does Health Insurance Cost in Idaho?

According to the KFF, the average benchmark premium in Idaho for 2021 is $495.

What is the Cheapest Health Insurance Plan in Idaho?

The average premium for the Bronze metal tier health insurance in 2021 is $330. For the Silver-tier plan, the average premium is $492. Meanwhile, the Gold plan premium rate average is $495.

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Cheapest Idaho Health Insurance Coverage by Metal Tier

The average cost of coverage under each metal tier is calculated according to Your Health Idaho. This example lists prices for a male age 40 in good health.

Bronze Plans

A Bronze plan from the Blue Cross of Idaho is the most affordable Bronze coverage with a monthly premium of $322. The deductible is $7,300, and the out-of-pocket maximum is $8,550.

Silver Plans

The Regence Silver PPO plan is the cheapest Silver-tier coverage with monthly premiums of $480. The deductible is $5,000, and the out-of-pocket maximum is $8,550.

Gold Plans

The PacificSource Gold HMO plan is the most affordable Gold tier health insurance with $518 monthly premiums. The deductible is $2,500, and the out-of-pocket maximum is $6,000.

Idaho Health Insurance Costs by Occupation

The self-employed, early retirees and other individuals that do not have insurance through their workplaces can get coverage on the state exchange. Idaho was the only state to reject Medicaid expansion and create a state-run marketplace.

Since January 1, 2020, Medicaid expansion took effect and now protects over 100,000 individuals. Those with an income of 138% or below the poverty level can take advantage of Medicaid programs.

What is the Average Cost of Health Insurance for a Student in Idaho?

In Idaho, dependents can stay on their parent’s health insurance plan until age 26. Healthcare options for students in Idaho are typically comprehensive and low-cost. 

What is the Average Cost of Health Insurance for the Self-Employed in Idaho?

Self-employed individuals in Idaho with a tax return from 2020 can sign up for coverage through the state marketplace.

What is the Average Cost of Health Insurance for Small Business Owners in Idaho?

Small businesses in Idaho with 50 full-time employees or less can enroll in the Small Business Health Options Program with Your Health Idaho.

Idaho Health Insurance Costs by Number of Participants

Health insurance premiums vary for individuals, families, and children in Idaho.

What is the Average Cost of Health Insurance for Families in Idaho?

A non-smoking couple with two young children earning $75,000 would pay a minimum of $1,045 monthly for Bronze tier health insurance. Depending on income level, some families are eligible for a subsidy or tax credit.

What is the Average Cost of Health Insurance for Individuals in Idaho?

The benchmark premium for individual coverage in Idaho across all health insurance tiers is $495. 

What is the Average Cost of Health Insurance for a Child in Idaho?

The Children’s Health Insurance Program (CHIP) in Idaho offers low-cost coverage for families and children.

Other Types of Idaho Health Insurance Coverage

Catastrophic Health Insurance in Idaho

 If you are eligible for a hardship exemption or you are under 30, you can get Catastrophic health insurance in Idaho from the state marketplace.

These emergency health insurance plans can protect you from the worst-case scenario and typically require the policyholder to pay the first $11,000 in medical bills. After you pay the deductible, the state can cover the excess.

Short Term or Temporary Health Insurance in Idaho

Idaho has two types of short-term health insurance, traditional or enhanced. You can obtain coverage throughout the year from private insurers.

Conventional coverage is non-renewable and ends after a term of 6 months. Enhanced plans, available since 2020, have longer coverage terms and more comprehensive benefits.

Low-Income Health Insurance in Idaho

Medicaid is available from the Idaho Department of Health and Welfare to eligible low-income residents in Idaho.

Medicare plans are also available to protect elderly and disabled individuals. Currently, over 350,000 residents in Idaho are covered under Medicare.

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