Marketplace Insurance Plans in Idaho

Marketplace Insurance

Your Health Idaho

Annual Open Enrollment for Individual and Family Health Insurance Plans in Idaho

Annual Open Enrollment is the period during which Idaho residents can enroll in or change individual and family health insurance plans for the upcoming year. For 2025 coverage, open enrollment runs from October 15, 2024, through December 16, 2024. Dates for 2026 coverage will be announced later in 2025.

During this time, individuals can access the Idaho state health insurance marketplace, Your Health Idaho (YHI), to compare and select plans. Plans are offered by private insurers and are categorized into metal tiers (Bronze, Silver, and Gold), with varying premiums, deductibles, and coverage levels to suit different needs and budgets. You must be enrolled in a plan by this time in order for coverage to begin on January 1, 2025.

Working with us is free to you! You will never pay us for our services. Instead, once we are designated as your insurance broker, we receive commission from whichever insurance company you decide to enroll with.

Who Can Enroll

Key Features

Subsidies: Many Idahoans qualify for premium tax credits or cost-sharing reductions based on income and household size, making coverage more affordable. In fact, it’s not uncommon for Idahoans to qualify for a $0 per month premium plan!
Essential Benefits: All plans include essential health benefits like preventive care, maternity care, prescription drugs, and mental health services.

Special Enrollment Period (SEP)

Outside of the open enrollment window, individuals may qualify for an SEP if they experience qualifying life events, such as losing other coverage, marriage, or the birth of a child. Usually, when you are applying for coverage during an SEP, you will need to provide documentation. We can help you review plan details carefully, considering your healthcare needs, provider preferences, and financial situation. Missing the deadline can result in a lack of coverage for the year unless eligible for an SEP.

What if I have pre-existing conditions? Will those be covered?

Yes, pre-existing conditions are covered. The Affordable Care Act (ACA) ensures that individuals with pre-existing conditions cannot be denied health insurance coverage or charged higher premiums due to their health history. Under the ACA, insurance companies must provide coverage regardless of medical conditions, and all plans must include essential health benefits without exclusions for pre-existing conditions. This protection applies to marketplace plans, employer-sponsored insurance, and Medicaid expansion. Additionally, insurers cannot impose waiting periods for coverage of pre-existing conditions. These provisions aim to provide equitable access to healthcare, ensuring that individuals receive necessary care without discrimination based on their health status.