Idaho Health Insurance: Key Facts
- Medicaid Status Expanded (Voter-Approved 2018, Effective 2020)
- Exchange Type State-Based (Your Health Idaho)
- Open Enrollment November 1 - December 15, 2024
- Medicaid Income Limit 138% FPL (~$20,783/year single)
Idaho offers residents multiple pathways to affordable health coverage. Thanks to a voter-approved ballot initiative in 2018, Idaho expanded Medicaid to cover more low-income adults. The state also operates its own health insurance marketplace, Your Health Idaho, making it easier for residents to find and enroll in coverage.
Medicaid in Idaho
Idaho Medicaid provides comprehensive health coverage for eligible residents. The expansion specifically helps adults aged 19-64 who were previously in the "coverage gap" - earning too much for traditional Medicaid but too little for marketplace subsidies.
Who Qualifies for Idaho Medicaid?
- Adults 19-64: Household income up to 138% of the Federal Poverty Level (approximately $20,783/year for an individual or $35,630 for a family of three)
- Children: Up to 185% FPL through the CHIP program
- Pregnant Women: Up to 185% FPL
- Parents/Caretakers: Various income limits based on family size
What Does Idaho Medicaid Cover?
- Doctor and specialist visits
- Hospital stays (inpatient and outpatient)
- Prescription medications
- Mental health and substance use treatment
- Preventive care and screenings
- Lab tests and X-rays
- Transportation to medical appointments
Your Health Idaho Marketplace
Your Health Idaho is Idaho's state-based health insurance exchange, created under the Affordable Care Act. Unlike states that use the federal Healthcare.gov platform, Idaho operates its own marketplace, giving the state more control over plan offerings and enrollment processes.
Why Use Your Health Idaho?
- Compare plans from multiple insurance companies side-by-side
- Apply for premium tax credits and cost-sharing reductions
- Enroll in plans that meet all ACA requirements
- Access free local help from certified agents and enrollment counselors
Insurance Companies on Your Health Idaho
Several insurance companies offer plans through Your Health Idaho, including:
- Blue Cross of Idaho
- SelectHealth
- Mountain Health CO-OP
- PacificSource Health Plans
Average Health Insurance Costs in Idaho
Health insurance costs in Idaho vary based on age, location, plan type, and whether you qualify for subsidies. Here are typical monthly premiums before subsidies:
| Metal Tier | Average Monthly Premium | Typical Deductible |
|---|---|---|
| Bronze | $350 - $450 | $7,000 - $8,500 |
| Silver | $520 - $580 | $4,500 - $6,000 |
| Gold | $620 - $700 | $1,500 - $2,500 |
Important Enrollment Dates
- Open Enrollment: November 1 - December 15, 2024 (for 2025 coverage)
- Coverage Effective Date: January 1, 2025 (if enrolled by December 15)
- Medicaid: Apply year-round; no enrollment period
Frequently Asked Questions
Does Idaho have Medicaid expansion?
Yes, Idaho expanded Medicaid through a voter-approved ballot initiative (Proposition 2) in November 2018. The expansion took effect in January 2020, extending coverage to adults with incomes up to 138% of the federal poverty level.
What is Your Health Idaho?
Your Health Idaho is Idaho's state-based health insurance exchange where residents can shop for and enroll in ACA-compliant health plans. It offers a variety of plans from multiple insurers, and Idahoans can apply for premium tax credits and cost-sharing reductions through the marketplace.
When is Idaho's health insurance open enrollment period?
Idaho's Open Enrollment for 2025 coverage runs from November 1, 2024 through December 15, 2024. If you miss this window, you may qualify for a Special Enrollment Period due to life events like marriage, having a baby, or losing other coverage.
How much does health insurance cost in Idaho?
The average monthly premium for a benchmark Silver plan in Idaho is approximately $520-$580 before subsidies. However, most Idahoans qualify for premium tax credits that significantly reduce costs, with many paying under $100 per month after subsidies.
Need Help Finding Coverage in Idaho?
Our licensed agents can help you navigate Your Health Idaho, check your Medicaid eligibility, and find the best plan for your needs and budget.
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