Cheapest Health Insurance in Idaho (2026)

Idaho operates its own health insurance marketplace, Your Health Idaho, rather than using the federal HealthCare.gov platform. Carrier participation is decided at the state level, and Idaho's market has eight providers. Plan type and metal tier selection matter more here than carrier selection alone as a result.

Tier structure matters more than which single carrier wins here. Select Health at $535, Blue Cross Blue Shield at $549 and St. Luke's Health Plan at $553 land within $18 of each other. The remaining five providers cost $86 to $101 a month more than Select Health. The decision for most Idaho enrollees falls among those top three. Select Health's lower premium comes with an average deductible of $4,954 and a maximum out-of-pocket of $9,781. Enrollees who use care regularly should weigh total annual cost instead of the monthly rate alone.

Identify which number matters most for your situation before you compare providers. If you rarely use care, monthly premium is the right figure to minimize. The tables below show Idaho's cheapest options by provider, category and metal tier. If you expect regular visits or prescriptions, your total annual cost, premium plus deductible, determines what you actually pay.

Idaho residents save $63 monthly by choosing Select Health, which offers the most affordable health insurance at $535 per month compared to the state average. Blue Cross Blue Shield ranks second at $549 monthly, while St. Luke's Health Plan comes third at $553. But Select Health's lower premiums come with higher deductibles and maximum out-of-pocket costs. Compare the cheapest health insurance options in Idaho:

*Average monthly costs represent the mean of all plan rates for each provider, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark. 

A clear break in tiers opens between St. Luke's Health Plan and Molina Healthcare. The top three providers stay within $18 a month of each other. The remaining five cost $86 to $101 more than Select Health. Enrollees who can use any of the top three based on network fit will pay noticeably less than those limited to the lower tier.

When searching for the best health insurance provider, personal rates depend on factors such as age, plan type and metal tier selection. Monthly premiums, deductibles and out-of-pocket limits all affect your total annual cost.

Select Health provides the most affordable rates across most demographics in Idaho. These lower premiums come with higher deductibles and maximum out-of-pocket costs.

* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds. 

Regence wins six of eight categories in our analysis, including teens, young adults, adults, seniors, POS plans and HSA-eligible plans. Its deductibles range from $6,056 to $6,500 across those categories depending on age and plan type. Select Health wins on PPO plans at $552 monthly with a $3,000 deductible, which is $3,056 lower than Regence's adult deductible of $6,056. PPO enrollees who want network flexibility and a manageable deductible will find Select Health's structure more favorable than Regence's.

For 40-year-olds in Idaho, St. Luke's Health Plan has the lowest-cost Expanded Bronze coverage at $349 per month. Regence has the cheapest Bronze plan at $380 per month and the cheapest Silver plan at $481 per month. Select Health offers Gold plans at $532 per month with a $1,000 deductible.

Our comprehensive Idaho data allows you to narrow choices by your specific situation and budget. 

One finding in our metal level data runs against what most enrollees expect. Mountain Health Co-op's Platinum plan at $658 monthly carries the lowest deductible ($500) and lowest maximum out-of-pocket ($1,500) in the entire table, but St. Luke's Expanded Bronze at $349 monthly saves $309 per month compared to Platinum. At that savings rate, it takes more than two years of premium savings to cover the Expanded Bronze plan's $7,750 deductible in a high-cost year. For enrollees who expect multiple hospitalizations or high prescription costs, the $1,500 Platinum ceiling is the figure that matters most. 

The personalized picks section below lets you filter by plan type, metal level and age to see the specific plans behind these averages.

We compiled Idaho health insurance information so you can identify plans that fit your financial situation and healthcare requirements.

Select Health leads Idaho's market at $535 per month and is the right starting point for most enrollees. But the right plan depends on how much care you use.   

If you're healthy and want the lowest monthly cost, St. Luke's Expanded Bronze plan at $349 per month is Idaho's cheapest option for a 40-year-old. The trade-off is an $7,750 deductible, this plan works well only if you rarely file claims.   

If you expect regular care, Select Health's Gold plan at $532 per month gives you a $1,000 deductible, the most manageable deductible-to-premium balance in our data. For high-utilization enrollees who expect multiple hospitalizations or high prescription costs, Mountain Health Co-op's Platinum plan caps your total annual exposure at $1,500.   

Seniors get the lowest rates through Regence at $1,064 per month. Enrollees who want PPO flexibility will find Select Health's PPO plans at $552 monthly with a $3,000 deductible the only competitive PPO option in Idaho's market.

We gathered plan information from Your Health Idaho for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. The cheapest overall rankings focus on 40-year-olds' monthly premiums, as this age group is the most common demographically and provides a clear comparison. Age-specific rankings use their respective premium costs. Cheaper monthly premiums mean higher deductibles and out-of-pocket maximums when you need care. Data was collected in May 2026.