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 doesn’t have to be confusing. The Idaho health insurance market, managed by the Department of Insurance, offers various plans. At AHiX, we provide easy tools and clear information to help you choose the best coverage for you and your family.
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 on the other hand, 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.
Use our savings calculator, plan comparison, and doctor search tools to help you find the right health insurance plan that meets your needs.
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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 qualifield plans, individuals can expect these average costs of premiums in Idaho (Age 40, Zip Code 83201):
Single adult
Married Couple
If you are looking for more affordable coverage, consider non-qualified plans. Explore your options for non-qualified insurance insurance nearby that fits your needs and budget.
If you’re looking for family health insurance in Idaho, there are several options based on your needs and budget. You can explore qualified health plans that are ACA-compliant, offering comprehensive coverage, including preventive care and maternity services. Families with incomes below 138% of the federal poverty level may qualify for Medicaid. Employer-sponsored plans also offer affordable coverage with employer contributions. AHiX helps you compare options and find the best plan for your family.
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
Non-qualified health insurance plans offer a more affordable option for families looking to save on premiums. While they may not cover all ACA-required benefits, they can provide coverage for specific needs like hospitalization or short-term protection. These plans are ideal for families seeking budget-friendly options with less extensive coverage.
Short-term health insurance is a low-cost option that gives you temporary coverage until you can get an employer plan or a regular health insurance plan. In Idaho, new rules only allow these plans to last for up to 4 months, including renewals. After that, you’ll need to find a new insurance provider if you still need coverage.
Shop Short-Term Insurance| 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 healthcare 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!
