BestHealth InsuranceIdahoBest Idaho Health Insurance (2023 Plans)
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BestHealth InsuranceIdahoBest Health Insurance in Idaho
Best Overall - Moda Health
Best for Low MOOP - St. Luke's Health Plan
Best Cheap - Moda Health
Best for Young Adults - Moda Health
Best for HMO - PacificSource Health Plans
Best for PPO - PacificSource Health Plans
Best for POS - Moda Health
Best Overall for Health Insurance in Idaho
Moda is the best health insurance provider in Idaho, earning an impressive MoneyGeek score of 88 out of 100. It offers competitive rates, affordable maximum out-of-pocket (MOOP) costs and exceptional claims processing. Our evaluation focused on Silver health plans in Idaho, encompassing a selection of 100 HMOs, 130 PPOs and 295 POS plans.
pros
Claims denial rate of 4.07%
Second-lowest average MOOP in Idaho
Offers affordable premiums
cons
Only offers POS plan type
COMPANY HIGHLIGHTS
MoneyGeek determined that Moda offers the best health insurance in Idaho. Moda offers 20 POS Silver POS plans and provides coverage both in and out of network. The provider stands out with its budget-friendly rates, averaging $453 per month. Moda also boasts a lower average maximum out-of-pocket (MOOP) cost of $7,800, which is the second-lowest in Idaho, further contributing to its affordability rating.
Lower MOOP costs imply that policyholders don't have to spend too much on health care services before their insurance coverage kicks in to pay for their claims. Moda also maintains an outstanding claims denial rate of 4.07%, which signifies that it accepts nearly all valid claims and diligently covers legitimate coverage requests. This is highly beneficial for its customers, as it eliminates the concerns and inconveniences associated with resubmitting claims.
Plan Recommendations
MoneyGeek recommends the following plans from Moda:
- Moda Select Silver 6400 + Vision Exam: $446 per month with a MOOP of $7,350
- Moda Select Silver 3000 Separate Rx + Vision Exam: $461 per month with a MOOP of $8,250
Best Health Insurance in Idaho for Low Out-of-Pocket Costs
St. Luke's Health Plan is the best health insurance company in Idaho for individuals looking for affordable out-of-pocket costs. With its competitive rates, exceptional claims handling and minimal MOOP costs, St. Luke's Health Plan earned an overall MoneyGeek score of 85 out of 100. Our analysis focused specifically on Gold health plans available in Idaho, encompassing 60 HMOs, 45 PPOs and 145 POS plans.
pros
Processes all valid claims
Affordable maximum out-of-pocket (MOOP) costs
Offers competitive plan rates
cons
Only offers POS plan
COMPANY HIGHLIGHTS
St. Luke's Health Plan is the top choice if you're looking for the best health insurance in Idaho with cheap MOOP costs. It is a cost-effective option with an affordable average monthly rate of $491. Notably, St. Luke's Health Plan boasts a low MOOP cost of $6,500, ranking as the third cheapest in Idaho.
One of the company's strengths is its exceptional track record of promptly accepting all valid insurance claims. This means you can rely on hassle-free coverage and efficient claims processing. St. Luke's Health Plan offers 10 Gold POS plans in Idaho.
Plan Recommendations
You can get the following Gold POS plan from St. Luke's Health Plan:
- St Luke's Health Plan Gold: $491 per month with a MOOP of $6,500
Best Cheap Health Insurance in Idaho
Moda offers the best affordable health insurance in Idaho, achieving a MoneyGeek score of 89 out of 100. Moda offers the fourth lowest average cost at $453 per month, among the seven companies we analyzed. While our selection in this category primarily prioritized affordability, note that low-premium plans often entail higher out-of-pocket costs. To make our assessment, we evaluated various plan types in Idaho, including 100 HMOs, 130 PPOs and 295 POS options
If you're focused soley on cost, MoneyGeek also determined the cheapest health insurance in Idaho.
pros
Excellent claims processing
Second cheapest MOOP
Offers affordable insurance rates
cons
Limited plan selection
COMPANY HIGHLIGHTS
MoneyGeek highly recommends Moda as the top choice for affordable health insurance in Idaho. Moda's Silver plans are competitively priced, with monthly premiums averaging $453 and MOOP costs of $7,800.
Although Moda's POS plan offerings are limited, the insurer has a strong reputation for efficient claims processing and infrequent coverage rejections. Policyholders can rest assured that their coverage requests will be addressed promptly, alleviating the need to dip into savings or accumulate debt while settling medical bills.
Plan Recommendations
We recommend the following plan from Moda:
- Moda Select Silver 6400 + Vision Exam: $446 per month with a MOOP of $7,350
Best Health Insurance for Young Adults in Idaho
Moda offers the best health insurance for young adults in Idaho, earning an impressive overall score of 89 out of 100. Our analysis specifically examined Bronze and Catastrophic plans, which typically feature low monthly premiums and higher out-of-pocket costs. It's worth noting that Catastrophic plans are exclusively available to individuals under 30 or those who qualify for a hardship exemption. To evaluate this category, we thoroughly analyzed a selection of 68 HMOs, 149 PPOs and 389 POS plans in Idaho.
pros
Stands out for claims management
Offers low out-of-pocket costs
Charges affordable rates
cons
Options limited to POS plans
COMPANY HIGHLIGHTS
MoneyGeek ranked Moda as the best health insurance provider for young adults in Idaho. Moda is the most affordable option in the state, offering 26-year-olds an average monthly rate of $256. Of the seven providers we looked at, Moda also features the cheapest maximum out-of-pocket cost of $7,900.
Young adults residing in Idaho can choose between 20 Bronze POS plans offered by the insurer. These plans provide flexibility in terms of medical provider choice but may come with higher costs for out-of-network services. Moda's low claims denial rate of 4.07% indicates a high likelihood of approving valid coverage requests.
Plan Recommendations
MoneyGeek suggests looking into the following Bronze plan offered by Moda:
- Moda Select Bronze HSA 6900: $269 per month for 26-year-olds and $240 per month for 18-year-olds (MOOP of $6,900)
Best Health Insurance by Plan Type in Idaho
Health insurance providers commonly offer a range of plan types that vary in terms of benefits, coverage, cost-sharing and network options. We have determined that PacificSource Health Plans offers the best HMO and PPO plans, while Moda stands out for providing the best POS plans.
Our evaluation specifically focused on Silver plans, which offer a balanced combination of affordable premiums and reduced out-of-pocket costs. Our recommendations are tailored to this particular category of Silver plans. We thoroughly examined 100 HMOs, 130 PPOs and 295 POS options for this category in Idaho.
Best for HMO: PacificSource Health Plans
COMPANY HIGHLIGHTS
PacificSource Health Plans offers the best health insurance in Idaho for HMO plans. Its plans feature a MOOP cost of $7,900, ensuring individuals are protected from excessive expenses. However, the insurer's plans have an average monthly price of $517, which may be considered expensive for consumers.
With a commendable claim denial rate of 5.64%, PacificSource Health Plans has established a strong reputation for exceptional claims management. This means that policyholders can expect efficient and hassle-free processing of their coverage requests, providing them with peace of mind and convenience.
PacificSource Health Plans offers a selection of 40 HMO Silver-tier plans to consumers.
Plan Recommendations
MoneyGeek recommends the following HMO plans from this insurer:
- Navigator Silver HSA 3500: $509 per month with a MOOP of $6,700
- Navigator Silver 3600: $524 per month with a MOOP of $9,100
Best for PPO: PacificSource Health Plans
COMPANY HIGHLIGHTS
With an overall MoneyGeek score of 67 out of 100, PacificSource Health Plans is the best PPO provider in Idaho. It's important to note that its Silver plans come at an average monthly cost of $570, which is considered relatively expensive.
But PacificSource Health Plans offers the state's cheapest MOOP cost at $7,900. Another notable advantage of choosing PacificSource Health Plans is its impressively low claims denial rate of 5.64%, indicating a high acceptance rate for legitimate claims.
If you are considering this provider, you can choose from the 20 PPO Silver plans that it offers.
Plan Recommendations
We recommend the following PPO plans from PacificSource Health Plans:
- Voyager Silver HSA 3500: $562 per month with a MOOP of $6,700
- Voyager Silver 3600: $579 per month with a MOOP of $9,100
Best for POS: Moda
COMPANY HIGHLIGHTS
Moda is our top choice for the best POS plan provider in Idaho, offering affordable monthly rates of $453 and MOOP costs of $7,800. This ensures that policyholders are safeguarded against excessive expenses.
In addition to being affordable, Moda has earned a positive reputation for its effective claims management, ensuring smooth and efficient processing of coverage requests without unnecessary hassles.
Moda offers 20 Silver POS plans to residents of Idaho.
Plan Recommendations
The following are the top two POS plans offered by Moda:
- Moda Select Silver 6400 + Vision Exam: $446 per month with a MOOP of $7,350
- Moda Select Silver 3000 Separate Rx + Vision Exam: $461 per month with a MOOP of $8,250
How to Find the Best Health Insurance for You in Idaho
When shopping for health insurance in Idaho, we recommend prioritizing the search for the ideal plan that aligns with your specific budget and health care needs. Achieving the right balance between affordable monthly premiums and reasonable out-of-pocket expenses is key. Here are two crucial factors to consider when buying a health insurance plan.
Understand when a health insurance plan will cover you
HMO plans typically necessitate a primary care physician and referrals for specialist visits, while PPO and POS plans provide the flexibility to see both in-network and out-of-network providers without referrals. While opting for an HMO plan may lead to savings on premiums, it may not be cost-effective if additional expenses arise when seeking care from an out-of-network provider. In Idaho, individuals can select from various plans, including 228 HMOs, 324 PPOs and 829 POS options.
Weigh the cost of premiums vs. the cost of care
While low-premium health insurance plans may seem attractive and provide immediate cost savings, they are often associated with higher out-of-pocket expenses. This can result in higher overall annual medical costs.
For example, in Idaho, let's consider Moda's plans. The Moda Select Silver 3000 Separate Rx + Vision Exam plan has a monthly cost of around $461 and a MOOP of $8,250. On the other hand, the Moda Select Silver 6400 + Vision Exam plan has an average monthly cost of approximately $446 and a MOOP of $7,350.
Consider Idaho Medicare or Medicaid if You’re Eligible
If you're an Idaho resident and either aged 65 or older or have a qualifying illness or disability, you may be eligible for Medicare. Medicare is a federal program that aims to offer accessible and reasonably priced health care. It provides coverage for a range of services, including but not limited to:
- Part A (Hospital Insurance): Provides coverage for hospital stays, nursing care, hospice care and certain home-based care.
- Part B (Medical Insurance): Offers coverage for outpatient care, physician visits, preventive care and necessary medical supplies.
- Part D (Prescription Drug Coverage): Provides coverage for prescription drugs as well as required vaccinations.
Explore our curated suggestions for the best Medicare Advantage in Idaho and the best Medicare Supplement plans in Idaho to discover the choices available to you.
We highly recommend verifying your eligibility for Medicaid, another government program. Medicaid is available at no cost to eligible Idaho residents and can be obtained alongside Medicare. You may qualify if your income is below 138% of the Federal Poverty Level. It's important to note that you can receive both Medicare and Medicaid simultaneously.
Frequently Asked Questions About Health Insurance in Idaho
If you are looking for the best health insurance in Idaho, it is normal to have concerns about costs and availability. To help you navigate this, we have answered some frequently asked questions tailored to your specific requirements.
About Mark Fitzpatrick
