Paige Cerulli Last Updated On: August 22, 2023

Find Affordable Health Insurance in Idaho

Health insurance can help you to get the care that you need, whether that’s prescription medication or a trip to your local urgent care office. It’s important to find a policy that offers the coverage that you need.

While shopping for insurance can be overwhelming, we’ve outlined the essentials you need to know to help you get started and find the right health insurance in Idaho for your healthcare needs and budget.

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Table of Contents

The Average Cost of Health Insurance in Idaho

The average cost of health insurance in Idaho varies depending on the tier of coverage you choose. Bronze plans have higher deductibles but lower monthly premiums, while Gold plans offer the greatest coverage but also have the highest premiums.

 Average Premium for Health Insurance in Idaho
Most Affordable Bronze Plan$325
Most Affordable Silver Plan$415
Most Affordable Gold Plan$444

You may be able to save money by purchasing an employer-sponsored plan. In Idaho, employee premiums for employer-sponsored plans average $1,179 per year.

Health insurance costs are based on many factors, including your age, health condition, marital status, and the number of dependents on your policy. Since costs can vary so much, it’s helpful to get a quote. Contact ConsumerCoverage for a free, personalized quote today.

Types of Idaho Health Insurance Plans

As you shop for health insurance in Idaho, you’ll be able to choose from several different plan types. We’ve highlighted some of the most common Idaho health insurance plans to help you get started

  • Health Maintenance Organization (HMO) plans have low premiums and deductibles. You’ll be required to have a primary care physician and will need to receive care from in-network providers.
  • Preferred Provider Organization (PPO) plans offer some more flexibility. You can receive care from an out-of-network provider and aren’t required to have a primary care physician. These plans have slightly higher premiums and deductibles than an HMO plan.
  • Exclusive Provider Organization (EPO) plans require you to receive in-network care, but you aren’t required to have a primary care physician. EPO plan premiums and deductibles tend to be lower.

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Cheap Health Insurance in Idaho

Low-income individuals and families may qualify for Idaho’s Medicaid or Children’s Health Insurance Program. Idaho Medicare is available for those age 65 and up or those with disabilities.


A Medicaid basic plan is available for individuals without special health needs. It covers prevention, health, and wellness benefits like hospitalization, prescriptions, and doctor’s visits.

An enhanced plan is also available specifically for adults with disabilities or certain health needs. It offers additional coverage compared to the basic plan.

To be eligible for Medicaid, you must be an Idaho resident in one of these categories:

  • Adults with an income at or under 138% of the federal poverty level (FPL)
  • Pregnant with an income at or under 130% of the FPL
  • A woman diagnosed with cervical or breast cancer with an income at or under 200% of the FPL

Children’s Health Insurance Program (CHP)

CHP coverage in Idaho helps families to cover the costs of annual physicals, lab tests, x-rays, ambulance trips, and more.

Coverage is available to children who:

  • Live in a family whose income level is under 190 of the FPL
  • Have disabilities
  • Have behavioral health needs


Medicare is available in four parts, each offering different coverage. To qualify, you must:

  • Be at least 65 years old
    Have a qualifying disability. Often, the disability qualifies you to receive at least 24 months of Social Security Disability Insurance program payments.

How to Get Health Insurance in Idaho

The best health insurance in Idaho is a plan that offers the coverage you need at a price that’s within your budget. Shopping around and comparing plan prices can help you to find the right policy. Get your free, fast quote for health insurance in Idaho from ConsumerCoverage today to start exploring your options.

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