2022 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.

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How to Buy Health Insurance in 2022

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. 

How Much Does Health Insurance Cost in Idaho?

According to the KFF, the average benchmark premium in Idaho was $461 a month in 2022. 

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

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 2022 pricing from KFF. (source)

Gold Plans

The average lowest cost premium of a Gold Plan in Idaho in 2022 was $480. 

Silver Plans

The average lowest cost premium of a Silver Plan in Idaho in 2022 was $452.

Bronze Plans

For a Bronze plan, the average lowest premium in 2022 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 08/16/2022, 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, 2018-2022, KFF, accessed 08/16/2022, 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