Health Insurance

Best Cheap Health Insurance in Idaho 2021

Best Cheap Health Insurance in Idaho 2021

Find Cheap Health Insurance Quotes in Idaho

Currently insured?

You can purchase cheap health insurance in Idaho through the Your Health Idaho health insurance marketplace or acquire coverage by applying to Medicaid.

Select a plan tier to learn more:

After comparing policies offered in the five largest counties in the state, we found that the ICPN North Central Silver 6000 offered by Blue Cross of Idaho was the cheapest Silver metal tier health plan available in Idaho. Although this is the most affordable Silver policy in terms of monthly premiums, it may not be offered in your county, as some health insurance companies do not offer plans in every region of the state.

Cheapest health insurance coverage by metal tier

We compared health insurance plans from the Idaho marketplace to find the lowest-cost options at each metal tier. The table below shows the cheapest individual health insurance plans for each metal tier along with the monthly cost for a 40-year-old, deductible and out-of-pocket maximum. These policies should be used to gauge what is affordable based on your financial situation.

If you do not currently have health insurance through your employer or are not enrolled in a federal health insurance plan, then you can purchase coverage through the state exchange. For example, if you own a business and are self-employed, then you could find health coverage on the marketplace.

Metal tier
Cheapest plan
Maximum out of pocket
Monthly cost for a 40-year-old
BronzeCPN North Central Bronze 7300$7,300$8,550$309
SilverCPN North Central Silver 6000$6,000$8,150$467
GoldNavigator Gold 2500$2,500$6,000$518

As you can see, health insurance in Idaho is broken down into three different metal tiers: Bronze, Silver and Gold. All metal tiers cover the essential health benefits but differ in the amount that you would spend for that care. The Bronze tier has the cheapest premiums but the highest deductibles and out-of-pocket maximums, meaning you would have to spend a lot on medical expenses before most benefits would begin. On the other hand, Silver and Gold plans have more expensive premiums but lower deductibles.

The most influential pricing factor that insurers consider when determining health insurance rates is age. The graph below shows the average cost of health insurance for different age groups at each metal tier of coverage. As you can see, the cost of health insurance is higher for older applicants.

For example, for a Silver-level policy, a 40-year-old would pay $119 more per month, on average, than a 21-year-old for the same policy in Idaho. If you are older than 60, then you will find that your premiums have an even larger bump in price for the same metal tier of health insurance coverage — 60-year-olds pay 112% or $614 more per month than 40-year-olds for a Silver plan.

Cheapest health insurance companies in Idaho

Finding the best health insurance in Idaho

The best health insurance for you will depend on the availability of plans in your area as well as your health and financial situation. Expanded Medicaid is available in Idaho, which means that anyone with a household income of less than 138% of the federal poverty level would be able to apply for the program. However, Idaho has enacted an additional work requirement that only allows working individuals to be eligible for Medicaid.

When evaluating health plans, you should begin by comparing policy premiums and out-of-pocket maximums to determine what is affordable for your situation. Typically, if you expect to have moderate to high medical expenses throughout the year, then you should purchase an upper-tier policy with a smaller deductible but more expensive premiums.

Gold: Best if you have high expected medical costs

Gold metal tier policies are the most expensive health insurance plans in Idaho in terms of monthly premiums. However, these plans can be cost-effective if you have a lot of medical costs due to the lower deductibles and out-of-pocket maximums. For example, if you needed to have a prescription filled monthly for an expensive drug, then you would reach the low deductible level quickly and then begin coinsurance or copays with your insurance provider.

The cheapest Gold plan in Idaho is Navigator Gold 2500. Compare all tiers in Idaho above.

Silver: Best for affordable premiums and average deductibles

We would recommend Silver plans in most situations since these health insurance policies have modest premiums, deductibles and out-of-pocket maximums.

All health insurance policies except Catastrophic plans offer premium tax credits, but Silver policies in Idaho are also eligible for cost-sharing reductions if your household income falls below 250% of the federal poverty level. This benefit lowers the amount that you pay in premiums, deductibles and out-of-pocket maximums. For this reason, Silver plans can be the most cost-effective health insurance policies if you are eligible for the cost-sharing reductions.

The cheapest Silver plan in Idaho is CPN North Central Silver 6000. Compare all tiers in Idaho above.

Bronze: Best for low-income and healthy applicants

The cheapest tier on the health insurance marketplace in Idaho is Bronze. This policy tier has low monthly premiums but also high deductibles and out-of-pocket maximums. This means that you would need to spend a lot on medical expenses out of pocket before you would gain access to coinsurance. For this reason, you should only consider this plan if you are healthy and don't expect to have any costly health care expenses.

The cheapest Bronze plan in Idaho is CPN North Central Bronze 7300. Compare all tiers in Idaho above.

Short-term health insurance in Idaho

Short-term health insurance is available for purchase in Idaho through insurers outside of the state insurance marketplace. The state allows for these types of policies to have term lengths of up to one year but does not permit the plan to be renewed after the initial term. Short-term health insurance plans in Idaho, similar to those in every state, are not required to provide the same level of coverage as marketplace health insurance policies. Therefore, they may not cover the essential health benefits, and you may not receive coverage for the treatment of preexisting conditions.

Find Cheap Health Insurance Quotes in Your Area

Currently insured?

Health insurance companies in Idaho

In Idaho, there are currently five companies that provide health insurance on the state exchange:

  • Blue Cross of Idaho
  • Mountain Health CO-OP
  • SelectHealth
  • PacificSource Health Plans
  • Regence

As we mentioned before, Blue Cross of Idaho offers the CPN North Central Silver 6000, which is the cheapest Silver health insurance policy available. However, you should explore policies from other companies even if they have more expensive premiums, as those providers could offer exclusive benefits to their policyholders. This can include extras like gym membership discounts or rewards for participating in healthy activities.

Cheapest Silver plan by county

Along with your age, the county that you live in could affect your health insurance premiums. Furthermore, some companies may not offer any policies in your area. For example, Blue Cross of Idaho is available in all of Idaho's counties, but SelectHealth can only be found in only 39. For this reason, we recommend you check and compare prices for health insurance and then choose a company that works best for you.

Cheapest plan
Age 40
Couple, age 40
BannockIAFN Silver 5000 POS$498$997$479
BinghamMVN East Silver Connect 6000$489$979$483
PowerPQA Southeast Silver Connect 6000$521$1,041$486
ButteEngage Silver Option 2$551$1,102$522
CaribouPQA Southeast Silver Connect 6000$521$1,041$486
Bear LakePQA Southeast Silver Connect 6000$521$1,041$500
CusterSLHP Silver 5000$506$1,012$509
FranklinPQA Southeast Silver Connect 6000$521$1,041$500
LemhiSLHP Silver 5000$506$1,012$509
OneidaPQA Southeast Silver Connect 6000$521$1,041$499
BonnevilleIAFN Silver 5000 POS$507$1,014$511
Twin FallsSLHP Silver 5000$524$1,047$478
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We retrieved health insurance rates and plan details from Idaho's state exchange, Your Health Idaho. After we had the premiums, we determined the average cost of health insurance by county, metal tier and age. Additionally, we used the data to identify the cheapest plans in the state, depending on the needs of the shopper.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.