At AHiX, finding the right Idaho health insurance plan is simple. We help you compare options and choose a plan that fits your budget and needs, with expert support to guide you every step of the way.
Finding affordable health insurance in Idaho can seem confusing, but it doesn’t have to be. Understanding your options is important for making the right choice. The Idaho health insurance market, managed by the Department of Insurance, offers various plans to meet your needs. At AHiX, we provide easy-to-use tools and clear information to help you choose plans and find the best coverage for you and your family.
In Idaho, residents can enroll in Qualified Health Plans (QHPs) through the state marketplace to get health insurance that meets federal standards. For those seeking other options, AHiX Marketplace offers affordable non-qualified health insurance plans, including temporary health insurance, providing flexible alternatives for individuals and families.
Idaho does not have an individual mandate, so there are no penalties for not having coverage. However, having health insurance helps protect you from unexpected medical costs. With AHiX Marketplace, you can easily compare plans, understand your options, and find the best coverage for your health needs and budget.
Qualified plans comply with the Affordable Care Act (ACA), ensuring coverage for the ten Essential Health Benefits. These benefits include services like maternity care, mental health support, preventive care, and prescription drugs. Qualified health insurance plans also guarantee equal access to coverage without discrimination based on age, gender, location, or lifestyle. Idaho residents can enroll in these plans through Your Health Idaho, the state’s official marketplace.
Non-qualified plans are more affordable options but don’t meet federal ACA standards. These Idaho health coverage plans may exclude essential benefits like maternity care, mental health services, substance abuse treatment, and coverage for pre-existing conditions. While they offer basic coverage, Idaho residents should carefully evaluate if they meet their healthcare needs. AHiX Marketplace helps you compare plans and make informed choices based on your budget.
Browse our options to compare plans and choose the health insurance that suits your needs.
You’ll pay the same as buying directly from trusted insurers, with no hidden fees involved.
Reach out anytime via chat, email, or phone for assistance from our dedicated support team.
Idaho individual health insurance offers coverage for individuals and families, helping protect against medical costs. It’s a flexible option for those needing financial assistance with healthcare expenses. You can obtain coverage through private marketplaces, insurance companies, or government programs.
For ACA qualified plans, individuals can expect these average costs of premiums in Idaho (Age 40, Zip code 83201):
Single adult
Married Couple
If you’re looking for more affordable coverage, consider non-qualified plans. Explore your options for non-qualified insurance near you through AHiX Marketplace.
Idaho family health insurance offers various choices to meet your family’s needs and budget. Families can select from employer-sponsored plans, Medicaid, or ACA-compliant qualified health plans, which provide essential benefits like preventive care, maternity services, and emergency care. Many families qualify for subsidies to reduce premiums, while Medicaid offers affordable coverage for those earning below 138% of the federal poverty level.
Below are the average monthly premiums for a qualified Health Maintenance Organization (HMO) plan in Idaho for a family (Age 40) with children under 26:
A married couple with one child
A married couple with two children
A married couple with three children
For families seeking low-cost insurance options, non-qualified health insurance plans are available. These plans may not include all ACA-required benefits but can cover specific needs like hospitalization or short-term protection, making them a budget-friendly choice for families in Idaho.
Short-term health insurance is an affordable option for temporary coverage, ideal until you secure an employer plan or regular health insurance plan. In Idaho, new regulations limit short-term health insurance to a duration of up to 4 months, including any renewals. After the 4-month period, you must find a new insurance provider if you still require coverage. This temporary solution can help fill the gap if you’re transitioning between jobs or waiting for permanent coverage. Be sure to review the plan’s details to ensure it meets your emergency health insurance needs.
| Plan Type | Monthly Premium | Deductible | Ideal For | Coverage Description |
|---|---|---|---|---|
| Bronze | $ (Lowest) | $$$$ (Highest) | Individuals who need minimal coverage or primarily emergency services | Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage. |
| Silver | $$ | $$$ | Individuals who need a balance between premium cost and healthcare usage | Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage. |
| Gold | $$$ | $$ | Individuals who expect regular healthcare needs | Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs. |
| Platinum | $$$$ (Highest) | $ (Lowest) | Individuals with extensive healthcare needs | Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services. |
Consider the following statistics about health care coverage in Idaho:
Total Idaho Population
Uninsured Idaho Residents
Idaho HMO Enrollment
Annual Employee Premium in Idaho
Hospitalization Costs in Idaho before Insurance
Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.
Explore Health Plans
Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses, and makes essential health services affordable and accessible for everyone.
Browse Dental Plans
Short-term health insurance offers temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options are ready.
Find Short-Term Health PlansIn Idaho, you can find various health insurance plans such as:
At AHiX, we offer a wide selection of health insurance plans from top providers to fit your needs.
At AHiX, we offer many Idaho health insurance plans for individuals, families, and short-term health plans. If you want to stick to your budget, AHiX Marketplace makes it easy to find affordable health plans. You can check out both qualified and non-qualified options to find the right health insurance plan for you. Start your search and get your new health plan today!
