Regence BlueShield of Idaho provides the cheapest overall health insurance in Idaho, with an average monthly premium of $368. Availability can vary; check out Moda Health, Mountain Health CO-OP, St. Luke's Health Plan and PacificSource Health Plans for affordable health plans in the state.
Most Affordable Health Insurance in Idaho
Updated: June 8, 2025
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Key Takeaways
Regence BlueShield of Idaho offers the state's most affordable health insurance, with an average monthly savings of $220 compared to the state average.
Mountain Health CO-OP provides the best full coverage Platinum plans, with rates starting at $561 per month.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Idaho
| Regence BlueShield of Idaho, Inc. | $368 | $220 |
| PacificSource Health Plans | $405 | $182 |
| Mountain Health CO-OP | $443 | $145 |
| St. Luke's Health Plan | $474 | $113 |
| Moda Health | $495 | $92 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Idaho Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Idaho, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest For Young Adults: Blue Cross of Idaho Health Service ($330 monthly)
- Cheapest For Seniors: Blue Cross of Idaho Health Service ($876 monthly)
- Cheapest Bronze Plan: Blue Cross of Idaho Health Service ($289 monthly)
- Cheapest Silver Plan: Blue Cross of Idaho Health Service ($412 monthly)
- Cheapest Gold Plan: Molina Healthcare of Idaho ($440 monthly)
- Cheapest Full Coverage (Platinum Plan): Mountain Health CO-OP ($561 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. Below is a filterable table you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
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Age:40
| Blue Cross of Idaho Health Service, Inc. | KCN North Silver 4000 | $412 | $74 | $9,200 |
Cheapest Health Insurance Plans by County in Idaho
While Regence BlueShield of Idaho ranks as the cheapest provider overall, PacificSource Health Plans and Molina Healthcare of Idaho dominate in affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Ada | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Adams | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Bannock | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Bear Lake | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Bingham | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Blaine | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Boise | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Bonneville | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Butte | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Camas | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Canyon | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Caribou | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Cassia | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Clark | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Custer | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Elmore | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Franklin | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Fremont | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Gem | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Gooding | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Jefferson | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Jerome | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Lemhi | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Lincoln | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Madison | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Minidoka | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Oneida | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Owyhee | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Payette | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Power | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Teton | Molina Healthcare of Idaho | $407 | Silver 12 250 with First 4 Primary Care Visits Free |
| Twin Falls | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Valley | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
| Washington | PacificSource Health Plans | $451 | Navigator Silver HSA 3500 |
How to Find the Cheapest Health Insurance in Idaho
Follow these steps to find affordable health insurance in Idaho:
- 1
Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These plans are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment spans from November 1 to January 15. However, you might qualify for Special Enrollment due to life changes such as a job loss, divorce or having a child. Consider plan types, customer ratings, costs and provider availability to find the most suitable option.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Idaho: Bottom Line
Regence BlueShield of Idaho, PacificSource Health Plans, Mountain Health CO-OP, St. Luke's Health Plan and Moda Health are Idaho's most affordable health insurance companies. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Idaho Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Idaho:
What is the cheapest health insurance in Idaho?
Regence BlueShield of Idaho offers the cheapest health insurance in Idaho, with Silver plans starting at $368 for 40-year-olds. While considering cost, also explore Mountain Health CO-OP, Moda Health, St. Luke's Health Plan, and PacificSource Health Plans.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Idaho
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Idaho based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.