Cheapest Health Insurance in Idaho (2024 Plans)


Health insurance coverage and out-of-pocket costs differ by metal tier. Regence BlueShield of Idaho, Inc. provides Idaho's most affordable Bronze, Silver and Gold options, while Mountain Health CO-OP provides the cheapest Catastrophic and Platinum plans.

If you're looking to balance monthly premiums with quality claims and coverage, MoneyGeek analyzed the best health insurance in Idaho.

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2024

Most Affordable Health Insurance in Idaho

Why Trust MoneyGeek? We downloaded plan data for Idaho directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

152Plans Analyzed
 
16Providers Compared

Cheapest Health Insurance in Idaho by Metal Tier

With the IAFN Silver 6500 POS plan offered by Regence BlueShield of Idaho, Inc., Idaho residents can access the cheapest plan in the popular Silver tier at just $410 monthly. Silver plans are the most common choice for their balance of cost and coverage. Consumers open to higher out-of-pocket expenses might consider Bronze plans for lower monthly premiums.

Here are the most affordable health insurance plans in Idaho from each metal tier:

  • Catastrophic: LINK CATASTROPHIC from Mountain Health CO-OP ($182 per month for 26-year-olds)
  • Bronze: IAFN Bronze Essential 8500 With 4 Copay No Deductible Office Visits POS from Regence BlueShield of Idaho, Inc. ($305 per month)
  • Silver: IAFN Silver 6500 POS from Regence BlueShield of Idaho, Inc. ($410 per month)
  • Gold: IAFN Gold 2500 POS from Regence BlueShield of Idaho, Inc. ($436 per month)
  • Platinum: LINK PLATINUM from Mountain Health CO-OP ($591 per month)

For more information on cheap health insurance options, you can explore further details and compare plans at MoneyGeek.

Data filtered by:Results filtered by:
Age:
Age:40
BronzeIAFN Bronze Essential 8500 With 4 Copay No Deductible Office Visits POSRegence BlueShield of Idaho, Inc.$305$9,450
SilverIAFN Silver 6500 POSRegence BlueShield of Idaho, Inc.$410$9,450
GoldIAFN Gold 2500 POSRegence BlueShield of Idaho, Inc.$436$9,450
PlatinumLINK PLATINUMMountain Health CO-OP$591$1,500
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WHAT ARE METAL TIERS?

In the Idaho health insurance marketplace, consumers can select from various metal tiers: Catastrophic, Bronze, Silver, Gold and Platinum. These tiers indicate the split between the cost an individual will pay for premiums and out-of-pocket expenses. For example, the Bronze tier typically has the lowest monthly premiums but higher out-of-pocket costs when accessing health care services. On the other hand, Gold and Platinum tiers carry higher monthly premiums but offer lower out-of-pocket expenses.

Silver plans occupy a middle ground with moderate premiums and out-of-pocket costs. They also present an important benefit for individuals earning below 250% of the Federal Poverty Line, as they become eligible for cost-sharing reductions (CSRs). CSRs effectively lower the amount you have to pay for deductibles, copayments and co-insurance, making health care services more accessible and affordable for consumers with limited financial resources.

Cheapest Silver Plans in Idaho

The most cost-effective Silver tier health insurance plan in Idaho is the IAFN Silver 6500 POS plan from Regence BlueShield of Idaho, Inc. at a monthly cost of $410.

Below are the top three most affordable Silver plans in the state:

  • IAFN Silver 6500 POS from Regence BlueShield of Idaho, Inc. ($410 per month)
  • IAFN Silver 5500 Separate RX Deductible POS from Regence BlueShield of Idaho, Inc. ($426 per month)
  • CPN North Central Silver Copay 3500 from Blue Cross of Idaho Health Service, Inc. ($428 per month)

Silver plans are well-suited for individuals who want a balance between monthly premium costs and out-of-pocket expenses when they need medical care. They typically have moderate premiums and lower expenses when you receive care. Customers may also qualify for cost-sharing reductions, which can make copayments, co-insurance and deductibles more affordable, effectively lowering the overall costs of health care services under these Silver plans.

Data filtered by:Results filtered by:
Age:
Age:40
Regence BlueShield of Idaho, Inc.$410$9,450IAFN Silver 6500 POS
Regence BlueShield of Idaho, Inc.$426$9,450IAFN Silver 5500 Separate RX Deductible POS
Blue Cross of Idaho Health Service, Inc.$428$9,100CPN North Central Silver Copay 3500
Blue Cross of Idaho Health Service, Inc.$430$9,100CPN North Central Silver 5500
SelectHealth, Inc.$431$8,700Select Health SAHA Silver 3000
Blue Cross of Idaho Health Service, Inc.$432$9,100CPN North Central Silver Copay 2500
Blue Cross of Idaho Health Service, Inc.$437$9,100KCN North Silver Copay 3500
Molina Healthcare of Idaho$438$9,450Silver 12 250 with First 4 Primary Care Visits Free
Blue Cross of Idaho Health Service, Inc.$439$9,100KCN North Silver 5500
SelectHealth, Inc.$440$8,700Select Health Med Silver 3000
Blue Cross of Idaho Health Service, Inc.$441$9,100KCN North Silver Copay 2500
Molina Healthcare of Idaho$443$7,850Silver 1 250
Molina Healthcare of Idaho$446$7,850Silver 1 250 with Adult Vision Services
SelectHealth, Inc.$447$8,700Select Health SLHP Silver 3000
Blue Cross of Idaho Health Service, Inc.$447$9,100PQA Southeast Silver Copay Connect 3500
Regence BlueShield of Idaho, Inc.$449$9,450SLHP Silver 5500 Separate RX Deductible
Blue Cross of Idaho Health Service, Inc.$449$9,100IDID Southwest Silver Copay 3500
SelectHealth, Inc.$449$8,700BrightPath Silver 3000
Blue Cross of Idaho Health Service, Inc.$449$9,100PQA Southeast Silver Connect 5500
St. Luke's Health Plan$450$9,450St Luke's Health Plan Silver
Blue Cross of Idaho Health Service, Inc.$451$9,100IDID Southwest Silver 5500
Blue Cross of Idaho Health Service, Inc.$452$9,100PQA Southeast Silver Copay Connect 2500
Mountain Health CO-OP$452$8,500ACCESS SILVER
SelectHealth, Inc.$452$8,900Select Health SAHA Silver 4000 - $0 copay for PCP visits
Mountain Health CO-OP$452$8,150LINK SILVER
SelectHealth, Inc.$453$9,000Select Health SAHA Silver 4500 - no deductible for office visits
Blue Cross of Idaho Health Service, Inc.$453$9,100IDID Southwest Silver Copay 2500
SelectHealth, Inc.$457$8,900Select Health Med Silver 4000 - $0 Copay for PCP visits
SelectHealth, Inc.$457$9,000Select Health Med Silver 4500 - no deductible for office visits
SelectHealth, Inc.$457$9,100Select Health SAHA Silver Copay Plan
Blue Cross of Idaho Health Service, Inc.$457$9,100Hometown North Silver Copay 3500
Regence BlueShield of Idaho, Inc.$457$9,450SLHP Silver 5000
Mountain Health CO-OP$458$9,000LINK SILVER OPTION 2
Blue Cross of Idaho Health Service, Inc.$459$9,100Hometown North Silver 5500
PacificSource Health Plans$460$6,700Navigator Silver HSA 3500
Blue Cross of Idaho Health Service, Inc.$461$9,100Hometown North Silver Copay 2500
Moda Health$462$7,350Moda Select Silver 6400 + Vision Exam
Blue Cross of Idaho Health Service, Inc.$462$9,100MVN East Silver Copay Connect 3500
Blue Cross of Idaho Health Service, Inc.$464$9,100MVN East Silver Connect 5500
SelectHealth, Inc.$466$8,900BrightPath Silver 4000 - $0 Copay for PCP visits
SelectHealth, Inc.$466$9,000BrightPath Silver 4500 - no deductible for office visits
SelectHealth, Inc.$466$9,100Select Health Med Silver Copay Plan
Blue Cross of Idaho Health Service, Inc.$467$9,100MVN East Silver Copay Connect 2500
PacificSource Health Plans$468$9,400Navigator Silver 3600
SelectHealth, Inc.$468$8,900Select Health SLHP Silver 4000 - $0 copay for PCP visits
SelectHealth, Inc.$469$9,000Select Health SLHP Silver 4500 - no deductible for office visits
SelectHealth, Inc.$474$9,100Select Health SLHP Silver Copay Plan
SelectHealth, Inc.$476$9,100BrightPath Silver Copay Plan
Blue Cross of Idaho Health Service, Inc.$476$9,100Hometown East Silver Copay 3500
Blue Cross of Idaho Health Service, Inc.$478$9,100Hometown East Silver 5500
Blue Cross of Idaho Health Service, Inc.$481$9,100Hometown East Silver Copay 2500
Moda Health$483$8,250Moda Select Silver 3000 Separate Rx + Vision Exam
Blue Cross of Idaho Health Service, Inc.$503$9,100SLHP Silver Copay CarePoint 3500
PacificSource Health Plans$505$6,700Voyager Silver 3500
Blue Cross of Idaho Health Service, Inc.$505$9,100SLHP Silver CarePoint 5500
Blue Cross of Idaho Health Service, Inc.$508$9,100SLHP Silver Copay CarePoint 2500
PacificSource Health Plans$513$9,400Voyager Silver 3600
Blue Cross of Idaho Health Service, Inc.$523$9,100Hometown Southwest Silver Copay 3500
Blue Cross of Idaho Health Service, Inc.$531$9,100Hometown Southwest Silver 5500
Blue Cross of Idaho Health Service, Inc.$533$9,100Hometown Southwest Silver Copay 2500
Mountain Health CO-OP$548$8,150ENGAGE SILVER
Mountain Health CO-OP$557$9,000ENGAGE SILVER OPTION 2

Cheapest Gold Plans in Idaho

The most affordable plan in the Gold tier in Idaho is the IAFN Gold 2500 POS plan offered by Regence BlueShield of Idaho, Inc. at a monthly cost of $436.

The three most affordable Gold plans in Idaho are:

  • IAFN Gold 2500 POS from Regence BlueShield of Idaho, Inc. ($436 per month)
  • Gold 1 from Molina Healthcare of Idaho ($442 per month)
  • Gold 1 with Adult Vision Services from Molina Healthcare of Idaho ($447 per month)

Gold plans are well-suited for individuals anticipating substantial health care services throughout the year. These plans typically offer lower out-of-pocket costs when receiving care, making them a good fit for consumers who frequently visit doctors or require regular medications. Gold plans can provide valuable financial protection for customers willing to pay a higher monthly premium in exchange for peace of mind that they won't face steep costs during a health event.

Data filtered by:Results filtered by:
Age:
Age:40
Regence BlueShield of Idaho, Inc.$436$9,450IAFN Gold 2500 POS
Molina Healthcare of Idaho$442$8,100Gold 1
Molina Healthcare of Idaho$447$8,100Gold 1 with Adult Vision Services
Regence BlueShield of Idaho, Inc.$461$9,450IAFN Gold 1500 POS
SelectHealth, Inc.$462$9,000Select Health SAHA Gold 1000 - no deductible for office visits
Blue Cross of Idaho Health Service, Inc.$464$8,000CPN North Central Gold 2000
SelectHealth, Inc.$476$9,000Select Health Med Gold 1000 - no deductible for office visits
SelectHealth, Inc.$484$8,000Select Health SLHP Gold 1500 - no deductible for office visits
Blue Cross of Idaho Health Service, Inc.$486$8,000PQA Southeast Gold Connect 2000
Regence BlueShield of Idaho, Inc.$486$9,450SLHP Gold 1500
SelectHealth, Inc.$486$9,000BrightPath Gold 1000 - no deductible for office visits
Blue Cross of Idaho Health Service, Inc.$487$8,000IDID Southwest Gold 2000
PacificSource Health Plans$490$6,000Navigator Gold 2500
St. Luke's Health Plan$492$7,750St Luke's Health Plan Gold
Mountain Health CO-OP$492$6,500ACCESS GOLD
Moda Health$495$7,600Moda Select Gold 2200 + Vision Exam
Blue Cross of Idaho Health Service, Inc.$496$8,000Hometown North Gold 2000
Mountain Health CO-OP$499$7,000LINK GOLD
Blue Cross of Idaho Health Service, Inc.$502$8,000MVN East Gold Connect 2000
Moda Health$516$8,000Moda Select Gold 1000 Separate Rx + Vision Exam
PacificSource Health Plans$517$8,500Navigator Gold 500
PacificSource Health Plans$537$6,000Voyager Gold 2500
PacificSource Health Plans$567$8,500Voyager Gold 500
Blue Cross of Idaho Health Service, Inc.$573$8,000SLHP Gold CarePoint 2000
Mountain Health CO-OP$611$6,500ENGAGE GOLD

Cheapest Bronze Plans in Idaho

The most affordable option in the Bronze tier in Idaho is the IAFN Bronze Essential 8500 With 4 Copay No Deductible Office Visits POS plan from Regence BlueShield of Idaho, Inc., coming in at a monthly cost of $305. The CPN North Central Bronze HSA 6250 plan from Blue Cross of Idaho Health Service, Inc. is equally affordable.

Here are Idaho's three cheapest Bronze plans:

  • IAFN Bronze Essential 8500 With 4 Copay No Deductible Office Visits POS from Regence BlueShield of Idaho, Inc. ($305 per month)
  • CPN North Central Bronze HSA 6250 from Blue Cross of Idaho Health Service, Inc. ($305 per month)
  • KCN North Bronze HSA 6250 from Blue Cross of Idaho Health Service, Inc. ($311 per month)

Bronze plans typically offer the lowest premium costs but incur higher out-of-pocket expenses when the policyholder utilizes medical services. They are ideal for individuals who expect low health care expenses throughout the year and want to keep their monthly premiums as low as possible. They are also suitable for those who primarily want coverage for significant health events or emergencies rather than routine care.

Data filtered by:Results filtered by:
Age:
Age:40
Regence BlueShield of Idaho, Inc.$305$9,450IAFN Bronze Essential 8500 With 4 Copay No Deductible Office Visits POS
Blue Cross of Idaho Health Service, Inc.$305$7,500CPN North Central Bronze HSA 6250
Blue Cross of Idaho Health Service, Inc.$311$7,500KCN North Bronze HSA 6250
St. Luke's Health Plan$313$9,450St Luke's Health Plan Expanded Bronze
Blue Cross of Idaho Health Service, Inc.$317$9,450CPN North Central Bronze 7500
Regence BlueShield of Idaho, Inc.$317$9,450IAFN Bronze 7000 POS
Moda Health$318$9,450Moda Select Bronze 8900 + Vision Exam
Blue Cross of Idaho Health Service, Inc.$319$7,500PQA Southeast Bronze HSA Connect 6250
Mountain Health CO-OP$319$8,900LINK BRONZE
Blue Cross of Idaho Health Service, Inc.$320$7,500IDID Southwest Bronze HSA 6250
Regence BlueShield of Idaho, Inc.$321$9,450SLHP Bronze Essential 8500 With 4 Copay No Deductible Office Visits
Mountain Health CO-OP$322$7,500LINK BRONZE HDHP
SelectHealth, Inc.$323$9,100Select Health SLHP Bronze 8000
Blue Cross of Idaho Health Service, Inc.$324$9,450KCN North Bronze 7500
Regence BlueShield of Idaho, Inc.$325$8,050IAFN Bronze HSA 7000 POS
Blue Cross of Idaho Health Service, Inc.$326$7,500Hometown North Bronze HSA 6250
Mountain Health CO-OP$326$7,500ACCESS BRONZE HDHP
Blue Cross of Idaho Health Service, Inc.$330$7,500MVN East Bronze Connect HSA 6250
Blue Cross of Idaho Health Service, Inc.$332$9,450PQA Southeast Bronze Connect 7500
Blue Cross of Idaho Health Service, Inc.$333$9,450IDID Southwest Bronze 7500
Mountain Health CO-OP$333$8,900ACCESS BRONZE
St. Luke's Health Plan$333$7,200St Luke's Health Plan Expanded Bronze HDHP
Regence BlueShield of Idaho, Inc.$334$9,450SLHP Bronze 7000
Blue Cross of Idaho Health Service, Inc.$339$9,450Hometown North Bronze 7500
Blue Cross of Idaho Health Service, Inc.$340$7,500Hometown East Bronze HSA 6250
SelectHealth, Inc.$341$9,400Select Health SLHP Exp Bronze 9400 - no deductible for office visits
Regence BlueShield of Idaho, Inc.$342$8,050SLHP Bronze HSA 7000
Blue Cross of Idaho Health Service, Inc.$343$9,450MVN East Bronze Connect 7500
SelectHealth, Inc.$345$8,000Select Health SLHP Exp Bronze 8000 HSA Qualified
PacificSource Health Plans$346$7,500Navigator Bronze HSA 7500
Moda Health$348$7,500Moda Select Bronze HSA 7500
SelectHealth, Inc.$350$9,100Select Health SAHA Exp Bronze 6000 - no deductible for PCP visits
SelectHealth, Inc.$352$9,450Select Health Med Exp Bronze 4500
PacificSource Health Plans$352$9,400Navigator Bronze 9400
Blue Cross of Idaho Health Service, Inc.$353$9,450Hometown East Bronze 7500
SelectHealth, Inc.$356$8,000Select Health Med Exp Bronze 8000 HSA Qualified
SelectHealth, Inc.$357$9,100Select Health Med Exp Bronze 6000 - no deductible for office visits
SelectHealth, Inc.$358$9,450Select Health SLHP Exp Bronze 4500
Blue Cross of Idaho Health Service, Inc.$359$7,500SLHP Bronze HSA CarePoint 6250
SelectHealth, Inc.$359$9,450BrightPath Exp Bronze 4500
SelectHealth, Inc.$363$9,100Select Health SLHP Exp Bronze 6000 - no deductible for PCP visits
SelectHealth, Inc.$363$8,000BrightPath Exp Bronze 8000 HSA Qualified
PacificSource Health Plans$364$9,000Navigator Bronze 6000
SelectHealth, Inc.$364$9,100BrightPath Exp Bronze 6000 - no deductible for office visits
Blue Cross of Idaho Health Service, Inc.$373$9,450SLHP Bronze CarePoint 7500
Blue Cross of Idaho Health Service, Inc.$373$7,500Hometown Southwest Bronze HSA 6250
PacificSource Health Plans$380$7,500Voyager Bronze HSA 7500
PacificSource Health Plans$386$9,400Voyager Bronze 9400
Blue Cross of Idaho Health Service, Inc.$388$9,450Hometown Southwest Bronze 7500
PacificSource Health Plans$399$9,000Voyager Bronze 6000
Mountain Health CO-OP$400$7,500ENGAGE BRONZE HDHP
Mountain Health CO-OP$410$8,700ENGAGE BRONZE

Cheapest Catastrophic Plans in Idaho

The LINK CATASTROPHIC plan from Mountain Health CO-OP stands as the most affordable Catastrophic plan in Idaho, with a monthly cost of $182.

The most affordable Catastrophic plans in the state include the following:

  • LINK CATASTROPHIC from Mountain Health CO-OP ($182 per month)
  • ACCESS CATASTROPHIC from Mountain Health CO-OP ($190 per month)
  • CPN North Central Catastrophic 9450 from Blue Cross of Idaho Health Service, Inc. ($211 per month)

Catastrophic plans primarily serve adults under 30 or those with a hardship exemption. These plans have low premiums but high out-of-pocket costs, making them suitable for consumers who want to minimize monthly expenses while still having a safety net for major medical events. People requiring frequent medical care or prescriptions may want to explore other health care metal tiers.

Data filtered by:Results filtered by:
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Age:26
Mountain Health CO-OP$182$9,450LINK CATASTROPHIC
Mountain Health CO-OP$190$9,450ACCESS CATASTROPHIC
Blue Cross of Idaho Health Service, Inc.$211$9,450CPN North Central Catastrophic 9450
Blue Cross of Idaho Health Service, Inc.$215$9,450KCN North Catastrophic 9450
Blue Cross of Idaho Health Service, Inc.$220$9,450PQA Southeast Catastrophic Connect 9450
Blue Cross of Idaho Health Service, Inc.$221$9,450IDID Southwest Catastrophic 9450
Blue Cross of Idaho Health Service, Inc.$225$9,450Hometown North Catastrophic 9450
Mountain Health CO-OP$226$9,450ENGAGE CATASTROPHIC
Blue Cross of Idaho Health Service, Inc.$227$9,450MVN East Catastrophic Connect 9450
Blue Cross of Idaho Health Service, Inc.$234$9,450Hometown East Catastrophic 9450
Blue Cross of Idaho Health Service, Inc.$247$9,450SLHP Catastrophic CarePoint 9450
Blue Cross of Idaho Health Service, Inc.$260$9,450Hometown Southwest Catastrophic 9450

Cheapest Platinum Plans in Idaho

The LINK PLATINUM plan from Mountain Health CO-OP stands as the most affordable Platinum tier option in Idaho, with a monthly cost of $591.

  • LINK PLATINUM from Mountain Health CO-OP ($591 per month)

Platinum plans best serve individuals who anticipate needing frequent medical care and prefer the certainty of higher premiums for more comprehensive coverage. These plans often have lower out-of-pocket costs when accessing health care services, making them suitable for those who prefer less financial variability. As the premium plan level in the health insurance marketplace, the Platinum tier is ideal for consumers willing to pay a higher monthly premium to minimize costs at the point of care.

Data filtered by:Results filtered by:
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age:40
Mountain Health CO-OP$591$1,500LINK PLATINUM
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) help lower out-of-pocket expenses for consumers with Silver health insurance plans who qualify based on income. CSRs adjust deductibles, copayments and co-insurance, making care more affordable. For example, the standard plan might have a maximum out-of-pocket amount of $7,900; with a CSR, this could drop to $2,200, a significant decrease in potential costs for eligible people. Eligibility typically extends to individuals and families with incomes between 100% and 250% of the federal poverty level.

Cheapest Health Insurance in Idaho by Plan Type

In Idaho, the Health Maintenance Organization (HMO) is the most popular plan type, accommodating residents with a comprehensive health care network. In addition to HMO plans, Idahoans also have access to Point of Service (POS) and Preferred Provider Organization (PPO) plan types.

For consumers seeking the most affordable HMO plan in Idaho, the Silver 12 250 with First 4 Primary Care Visits Free plan from Molina Healthcare of Idaho is your best bet at a monthly cost of $438.

The cheapest Idaho health plans by plan type include the following:

  • HMO: Silver 12 250 with First 4 Primary Care Visits Free from Molina Healthcare of Idaho ($438 per month)
  • POS: IAFN Silver 6500 POS from Regence BlueShield of Idaho, Inc. ($410 per month)
  • PPO: Select Health SAHA Silver 3000 from SelectHealth, Inc. ($431 per month)

POS plans offer a balance between choosing providers inside or outside a network, while PPO plans provide flexibility by allowing visits to any health provider without requiring a referral.

Data filtered by:Results filtered by:
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Age:40
Plan Type:
Plan Type:HMO
Molina Healthcare of Idaho$438$9,450Silver 12 250 with First 4 Primary Care Visits Free
Molina Healthcare of Idaho$443$7,850Silver 1 250
Molina Healthcare of Idaho$446$7,850Silver 1 250 with Adult Vision Services
PacificSource Health Plans$460$6,700Navigator Silver HSA 3500
PacificSource Health Plans$468$9,400Navigator Silver 3600
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WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

The most common plan type in Idaho is the Health Maintenance Organization (HMO) plan. However, other plan types available in Idaho include Point of Service (POS) and Preferred Provider Organization (PPO) plans.

Health Maintenance Organization (HMO): HMOs generally offer lower premiums and out-of-pocket costs than other plan types. They emphasize preventative care and often require you to choose a primary care physician (PCP) who coordinates your health services. With these plans, your insurer typically requires you to use health care providers within the HMO's network, and you need referrals from your PCP to see specialists, which can limit flexibility.

Point of Service (POS): POS plans offer a balance between HMO and PPO plans. You can see both in-network and out-of-network providers, and seeing in-network providers means lower costs. However, these plans may have higher out-of-pocket costs if you choose to see out-of-network providers. You also might still need a referral from your PCP to see specialists.

Preferred Provider Organization (PPO): PPOs provide more freedom to see specialists without a referral and to choose health care providers without worrying about whether they are in-network or out-of-network. Typically, PPOs have higher premiums and out-of-pocket costs when compared to HMO plans. Seeing out-of-network providers can also lead to significantly higher expenses.

Each of these plan types can be suitable for different individuals or families, depending on their health care needs, preferences for provider choice and financial circumstances.

Cheapest Health Insurance in Idaho by County

Health insurance rates and availability of certain plans vary by county in Idaho. Residents will find differing options and premiums depending on their location within the state.

Comparing the most affordable plans in the largest and smallest counties by population shows this variation in monthly rates:

  • Ada: Navigator Silver HSA 3500 from PacificSource Health Plans ($451 per month)
  • Clark: Silver 12 250 with First 4 Primary Care Visits from Molina Healthcare of Idaho ($407 per month)

The following table shows the most affordable Silver plans in each county in Idaho.

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County Name:Ada
PacificSource Health Plans$451$6,700Navigator Silver HSA 3500
PacificSource Health Plans$458$9,400Navigator Silver 3600

Health Insurance Costs in Idaho by Age and Metal Tier

In Idaho, age matters a lot when it comes to health insurance costs. For a Silver plan, an 18-year-old pays around $331 each month. But a 60-year-old with the same plan pays $985, which is $654 more. That's a big jump in price just because of age.

Metal tiers also tell you about how much you will pay and how much your plan covers. A 40-year-old with a Bronze plan pays $350 every month. But if the same person picks a Gold plan, it costs $494. That's $144 more each month.

Health Insurance Costs in Idaho by Age and Metal Tier

What to Know About Health Insurance in Idaho

MoneyGeek broke down all the health insurance options available in Idaho. We look at private insurance plans in the marketplace, which have different levels, including Catastrophic, Bronze, Silver, Gold and Platinum. We also explain Medicaid and Medicare. Our goal is to help users understand their choices so they can pick the best health care for themselves.

Private Health Insurance in the Idaho Marketplace

The open enrollment period in Idaho typically runs from November 1 to December 15 each year, during which residents can shop for private health insurance coverage through the state's insurance marketplace, Your Health Idaho. This is the annual window to select a new plan or make changes to an existing one. If you miss the December 15 deadline, you may still qualify for a Special Enrollment Period due to certain life events, such as marriage, having a baby or losing other health coverage. Otherwise, without a qualifying event, you'll have to wait until the next open enrollment to sign up or adjust your plan.

Medicaid in Idaho

Medicaid is a public health care program in the United States that provides medical services to individuals and families with low income. In Idaho, as in other states, Medicaid eligibility depends on several factors, including income, household size, pregnancy, disability or age. The state follows guidelines set by the federal government but also has the flexibility to determine specific eligibility criteria within federal parameters. Individuals must be residents of Idaho, U.S. nationals, citizens, permanent residents or legal aliens to qualify.

Medicare in Idaho

Medicare is a federal health insurance program primarily for individuals aged 65 and over, as well as for younger people with certain disabilities or diseases, such as End-Stage Renal Disease. Medicare comprises several parts: Part A covers hospital insurance, including inpatient care and hospice services; Part B provides medical insurance for outpatient care, medical supplies and preventive services; Part C, or Medicare Advantage, is an alternative to Original Medicare that offers additional benefits through private insurance companies; and Part D covers prescription drug plans.

MoneyGeek found the best Medicare Advantage Plans in Idaho and the best Medicare Supplement plans in Idaho.

Idaho Health Insurance FAQ

When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Idaho to help you learn more.

What are the cheapest Silver and Gold plans in Idaho for 2024?
What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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