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.
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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 you plan options by price or tier level.
Health Insurance Carriers In Idaho
Idaho has six health insurance companies offering coverage via the state marketplace:
- Blue Cross of Idaho
- PacificSource
- Mountain Health CO-OP
- SelectHealth
- Regence BlueShield of Idaho
- Molina
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.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Idaho?
According to the KFF, the average benchmark premium in Idaho was $417 a month in 2024.
What is the Cheapest Health Insurance Plan in Idaho?
Depending on your health, the cheapest health insurance plan will be the one that covers what you need the most. Contact us to find the best plan for you!
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Cheapest Idaho Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
The average cost of coverage under each metal tier is calculated according to Your Health Idaho. The example list prices below are based on a male, aged 40, in good health. Note that all costs are 2024 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Idaho in 2024 was $436.
Silver Plans
The average lowest cost premium of a Silver Plan in Idaho in 2024 was $410.
Bronze Plans
For a Bronze plan, the average lowest premium in 2024 was $323.
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 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 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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Sources:
Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2024, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2024, KFF, accessed 08/16/2024, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D