Best Health Insurance in Idaho (2026)

Key Takeaways

Molina is Idaho's top health insurance provider for HMO plans, while Moda Health is best for POS plans and Select Health is best for PPO plans in the state.

Molina provides the cheapest health insurance in Idaho while maintaining competitive deductibles and out-of-pocket costs.

When researching Idaho health insurance plans, focus on how monthly premiums, deductibles, provider networks, and out-of-pocket maximums work together. Lower premiums often come with higher cost-sharing and narrower networks. Compare quotes from multiple insurance companies to find coverage matching your needs and budget.

Best Health Insurance Companies in Idaho

Molina offers the best health insurance in Idaho for HMO plans with monthly premiums averaging $520. Select Health leads PPO options at $552 monthly, while Moda ranks highest for POS plans at $565 monthly. Idaho's marketplace includes additional carriers, but these three providers deliver the strongest combination of affordability and coverage across their respective network types.


Molina Healthcare	$520	$9,280	$6,250	5.0	HMO Plans
Moda Health	$565	$8,200	$4,533	4.6	POS Plans
Select Health	$552	$9,900	$3,000	5.0	PPO Plans

*Our picks are the best health insurance options for 40-year-olds looking for Silver-tier plans.

Molina Healthcare

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$520
Average MOOP
$9,280
Average Deductible
$6,250

pros
- Most affordable premiums in the state
- Gold plans offer deductibles as low as $895
- Coverage available across Silver and Gold tiers
cons
- Only offers HMO plans with restricted provider networks
- Silver plans carry high $6,250 deductibles
- No Bronze tier plans
Molina offers HMO plans in Idaho at the Silver and Gold tiers, giving consumers a choice between lower monthly costs and stronger upfront coverage. Gold plans average $548 per month and feature relatively low deductibles ranging from $895 to $2,250, depending on HSA eligibility. Silver plans cost slightly less at $520 per month but come with much higher deductibles of $6,250. While Gold plans have slightly higher premiums, they often deliver better overall value thanks to lower out-of-pocket maximums between $8,000 and $8,700 compared with higher cost-sharing limits of $9,280 for Silver plans.

Molina health insurance plans in Idaho:

Data filtered by:


Molina Gold Value	$529	HMO	Gold	$8,000	$2,250	No
Molina Gold Value Plus with Adult Vision	$534	HMO	Gold	$8,000	$2,250	No
Molina Gold Core 1640	$542	HMO	Gold	$8,100	$1,640	No
Molina Gold Enhanced 895	$542	HMO	Gold	$8,700	$895	No
Molina Gold Core 1640 Plus with Adult Vision	$547	HMO	Gold	$8,100	$1,640	No
Molina Gold Enhanced 895 Plus with Adult Vision	$546	HMO	Gold	$8,700	$895	No
Molina Gold Value Plus with Adult Dental and Vision	$557	HMO	Gold	$8,000	$2,250	No
Molina Gold Core 1640 Plus with Adult Dental and Vision	$570	HMO	Gold	$8,100	$1,640	No
Molina Gold Enhanced 895 Plus with Adult Dental and Vision	$569	HMO	Gold	$8,700	$895	No

Moda Health

MoneyGeek Rating

4.6/ 5

4.3/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$565
Average MOOP
$8,200
Average Deductible
$4,533

pros
- POS plans across Bronze, Silver and Gold tiers
- HSA-eligible Bronze plans
- Low-income Silver plan
cons
- No Platinum tier plans
- Steep deductibles and MOOP limits on Bronze plans
Moda offers POS plans in Idaho across the Bronze, Silver, and Gold tiers, giving members flexibility to use in-network care while retaining some out-of-network access. For a 40-year-old enrollee, monthly premiums range from $382 to $610, with an average cost of $565. Across all tiers, Moda plans have an average deductible of $4,533 and an out-of-pocket maximum of about $8,200. Bronze plans provide the lowest monthly premiums but come with higher cost-sharing, including deductibles from $7,500 to $10,000 and $10,000 out-of-pocket maximums. Silver plans strike a middle ground with deductibles ranging from $3,000 to $6,600, while Gold plans offer the strongest upfront coverage, featuring the lowest deductibles at $1,100 to $2,200. Moda Select Idaho plans also include added value through a covered annual vision exam and access to virtual care via CirrusMD.

Idaho health insurance plans from Moda Health:

Data filtered by:


Moda Select Idaho Bronze HDHP 7500	$416	POS	Bronze	$7,500	$7,500	Yes
Moda Select Idaho Bronze 10,000 + Vision Exam	$382	POS	Bronze	$10,000	$10,000	Yes
Moda Select Idaho Bronze 9200 + Vision Exam	$386	POS	Bronze	$9,500	$9,200	Yes

SelectHealth

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$552
Average MOOP
$9,900
Average Deductible
$3,000

pros
- Below state average monthly premiums
- Some Gold plans cost less than Silver plans while providing better coverage
- HSA-eligible Bronze options for tax-advantaged savings
cons
- PPO plans only
- No Catastrophic or Platinum tier plans
- High Bronze deductibles up to $10,150
Select Health leads Idaho’s PPO market by offering some of the state’s most competitive premiums paired with comprehensive coverage, making it a strong option for residents who value out-of-network flexibility. The insurer earned perfect MoneyGeek scores across all metal tiers, topping the PPO category for affordability, deductible design, and overall out-of-pocket costs.

Bronze PPO plans start at $384 per month with HSA eligibility and deductibles of $7,819, while Expanded Bronze options increase premiums slightly to $410 per month. At the higher end, Gold-tier plans range from $533 to $558 monthly and stand out for their low deductibles, ranging from $1,000 to $1,200, combined with maximum out-of-pocket limits between $9,540 and $9,900. Silver plans average $552 per month with $3,000 deductibles. Overall, Select Health outperforms competing PPO insurers by a wide margin while maintaining the broad provider access Idahoans often seek when choosing PPO coverage.

Select Health Plans options in Idaho:

Data filtered by:


Select Health Med Bronze 8000	$387	POS	Bronze	$10,150	$8,000	Yes
Select Health Med Exp Bronze 5000	$396	PPO	Bronze	$9,950	$5,000	Yes
Select Health SAHA Bronze 8000	$349	PPO	Bronze	$10,150	$8,000	Yes
Select Health Med Exp Bronze 8600	$403	PPO	Bronze	$8,600	$8,600	Yes
Select Health SLHP Bronze 8000	$371	PPO	Bronze	$10,150	$8,000	Yes
Select Health Med Bronze 8000	$376	PPO	Bronze	$10,150	$8,000	Yes
Select Health Med Exp Bronze 7000 - no deductible for office visits	$408	PPO	Bronze	$9,900	$7,000	Yes
Select Health Med Exp Bronze 9950 - no deductible for office visits	$395	PPO	Bronze	$9,950	$9,950	Yes

Best Health Insurance in Idaho by Category

The best health insurance in Idaho depends on how pricing and coverage change by age and plan structure. Monthly Silver-tier premiums range from $358 to $1,204, but the lowest-cost option isn’t always the best value once deductibles, out-of-pocket limits, and network flexibility are factored in. To highlight which insurers stand out in key scenarios, we compared Idaho health plans by age group and plan type, showing where each provider delivers the strongest balance of affordability and coverage.

By Age:

Teens (18): Regence POS plans cost $358 monthly, Molina HMO plans cost $372 and Select Health PPO plans cost $393.
Young adults (26): Regence offers affordable POS coverage at $402 monthly, Molina HMO plans cost $417, while Select Health PPO plans run $443.
Adults (40): Regence POS plans cost $503 monthly, Molina HMO plans cost $520 and Select Health PPO plans cost $552.
Seniors (60): Regence charges $1,064 monthly for POS coverage, Molina HMO plans cost $1,105 and Select Health PPO plans cost $1,173.

By Plan Type:

PPO: Select Health offers Idaho's primary PPO coverage, charging 40-year-olds $552 monthly with a $3,000 deductible and $9,900 MOOP.
HMO: Molina provides affordable HMO coverage for 40-year-olds at $520 monthly with a $6,250 deductible and $9,280 MOOP.
POS: Moda charges 40-year-olds $565 monthly with a $4,533 deductible and $8,200 MOOP.

All rates are averages based on Silver plans for the given category.

Compare Idaho Health Insurance Providers

Monthly premiums, deductibles and MOOP vary across Idaho insurers. To find the best Idaho health insurance for your unique needs, use the table below to filter by age, metal level, plan type and HSA eligibility.

Data filtered by:


Molina Healthcare	$520	HMO	Silver	$9,280	$6,250	40	No

How to Choose the Best Health Insurance in Idaho

Choosing health insurance in Idaho means weighing premiums against deductibles, network access and coverage limits.

1
Assess your health care needs
Review current medications, planned procedures and doctor visit frequency to determine appropriate coverage levels. Past medical expenses predict future costs and inform deductible decisions. Idaho residents with chronic conditions or regular specialist visits need different coverage than those seeking basic protection.
2
Compare multiple insurer quotes
Request rates from three Idaho health insurance companies to identify price differences and coverage variations. Premiums vary between insurers for similar coverage levels. Boise and Coeur d'Alene residents have more carrier options than rural areas; compare all plans available in your county.
3
Verify provider networks
Confirm your doctors, specialists and hospitals accept plans before enrolling. Out-of-network care costs more and may require full upfront payment. Saint Alphonsus and Kootenai Health participate in different networks. Check provider directories to avoid surprise bills.
4
Review cost-sharing details
Higher deductibles mean lower monthly premiums but higher upfront costs when you need care. Your out-of-pocket maximum caps annual expenses. Compare low-premium, high-deductible plans against higher-premium options with lower deductibles based on your budget and expected health care usage.
5
Evaluate plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs between cost and flexibility. HMOs require referrals but cost less. PPOs allow you to see specialists without prior approval at higher premiums. EPOs and POS plans provide moderate flexibility at mid-range costs. Choose based on the level of provider flexibility you need.
6
Explore federal programs
Idaho's state-based marketplace subsidies reduce premiums and out-of-pocket costs for qualifying households. Medicare beneficiaries age 65+ can compare Medicare Advantage and Medicare Supplement options. Low-income residents may qualify for Medicaid expansion coverage.

How Much Does Health Insurance Cost in Idaho?

PPO plans offer the lowest-priced Bronze coverage at an average of $404 per month, while POS plans provide the most affordable Silver options at $512 monthly. For Gold coverage, HMO plans are the least expensive choice at $548 per month, but POS plans are the only option available at the Platinum tier, averaging $658 monthly. Overall, Bronze and Platinum plans are limited across Idaho, which can narrow choices for shoppers at both ends of the coverage spectrum.


HMO	No Data	$520	$548	No Data
POS	$441	$512	$585	$658
PPO	$404	$554	$552	No Data

*Rates are averages for 40-year-olds in Idaho. Your rates will vary based on your age and location.

Best Health Insurance in Idaho: Bottom Line

Molina is Idaho's top health insurance provider for 2026, offering a solid balance of affordable premiums and comprehensive coverage for residents seeking reliable health care protection. Other providers may be a better option for you depending on your network preferences, healthcare use, age, and budget.

Best Idaho Health Insurance: FAQ

Idaho residents often ask about enrollment periods, state insurance requirements and how multiple plans work together.

How do I get health insurance in Idaho?

Idaho residents can buy health insurance through Your Health Idaho, the state's official marketplace or directly from insurance companies and licensed brokers. Open enrollment is from November 1 through January 15 for 2026 coverage. Special enrollment periods apply after qualifying events like marriage, job loss or relocation. Employer group plans offer another coverage option.

Are you required to have health insurance in Idaho?

Idaho doesn't require health insurance. You won't face penalties without coverage, but you'll pay full medical costs out of pocket. A hospital stay or emergency room visit costs thousands of dollars.

Can you have multiple health insurance plans in Idaho?

Yes, you can have multiple health insurance plans in Idaho. Your primary plan pays first. Your secondary plan may cover remaining eligible expenses through coordination of benefits. Common scenarios include dual employer coverage between spouses or Medicare with supplemental insurance.

Our Review Methodology

Idaho's health insurance market features mostly HMO, POS and PPO plans. We ranked providers by focusing heavily on monthly premiums since they represent your biggest ongoing cost. We also factored in maximum out-of-pocket limits and deductibles, which affect your total yearly spending.

Our Scoring System

We weighted three cost factors:

Monthly premium (60%): Your recurring monthly payment carries the most weight. Lower premiums earn higher scores.
Maximum out-of-pocket (20%): This caps your total yearly costs beyond premiums. Lower limits score better.
Deductible (20%): The amount you pay before coverage starts. Lower deductibles receive higher scores.

Scores are adjusted for each filter combination. In Silver-tier HMO, POS and PPO plans, the best provider gets a 5.0 score. All others are ranked relative to that top performer.

Sample Consumer Profile

We reviewed every 2026 plan in Idaho for ages 18, 26, 40, 50 and 60. Pricing shows rates for 40-year-olds unless stated otherwise. Our analysis covers all metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Health Insurance in Idaho (2026)

Best Health Insurance Companies in Idaho

Best Health Insurance in Idaho by Category

Compare Idaho Health Insurance Providers

How to Choose the Best Health Insurance in Idaho

How Much Does Health Insurance Cost in Idaho?

Best Health Insurance in Idaho: Bottom Line

Best Idaho Health Insurance: FAQ

How do I get health insurance in Idaho?

Are you required to have health insurance in Idaho?

Can you have multiple health insurance plans in Idaho?

Our Review Methodology

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