Idaho Short-Term Health Insurance: Two Options, Very Different Plans

Idaho short-term health insurance is non-ACA medical coverage for Idaho residents under 65. It can fit people who are healthy, expect little care, and want a lower premium than a full marketplace plan. That includes people between jobs, waiting on employer coverage, or past open enrollment. It can also suit healthy people who don’t qualify for marketplace subsidies. We work with two carriers, and their plans are not interchangeable.

Blue Cross of Idaho Access Plans

Access plans are a longer-term option than traditional short-term coverage. Your premium is based on an underwriting review of your health history, so two people can pay very different rates. Like all short-term plans, they may limit or exclude coverage for preexisting conditions and ongoing medications. Contact us for current plan details, and read the exclusions before you enroll.

SelectHealth Short-Term Plans

SelectHealth offers true short-term coverage for 30 to 90 days. It’s a good fit for a gap in coverage, such as a waiting period before employer benefits start. It’s non-renewable, and it doesn’t cover preexisting conditions, prescriptions, preventive care, mental health or maternity care.

Is a short-term plan right for you?

Idaho short-term health insurance is built for healthy people. These plans don’t have to follow ACA rules, so they can exclude conditions and cap benefits.

Before you buy, it’s worth checking whether you qualify for a Special Enrollment Period, which can open a full ACA plan after losing coverage, moving or another life change. Call or text (208) 243-9066 and we’ll compare short-term and full-coverage options with you, at no cost to you.