Your Health Idaho is Idaho’s health insurance marketplace, where Idahoans can compare and find affordable, quality health insurance coverage from well-known medical and dental insurance companies. It’s also the only place you can apply for and receive a tax credit to help lower your monthly health insurance premiums.
As part of the coverage basics, all plans offered through Your Health Idaho comply with state and federal requirements by covering ten essential health benefits. Healthcare.gov has more information on each of these benefits. They include:
*While these essential benefits are covered, it doesn’t necessarily mean they are free. Fees such as deductibles and co-pays may still apply. See your specific plan or contact your insurance company for details.
As the state’s official health insurance marketplace, Your Health Idaho is the only place where Idahoans can apply for and receive a tax credit. This tax credit acts like an instant discount by lowering the cost of your monthly health insurance premium. Idahoans may also receive additional savings through Cost-Sharing Reductions, which reduces out-of-pocket costs for things like co-pays and prescriptions, when enrolled in a Silver plan. Learn more about Cost-Sharing Reductions at Healthcare.gov.
A tax credit that is applied to monthly health insurance premiums to lower the cost of coverage. The tax credit amount will depend on income level, household size, and other factors.
The amount you pay for your health insurance every month.
In addition to your premium, you usually have to pay other
costs, including a deductible, co-payments, and co-insurance when
using your insurance.
A discount that lowers the amount you pay out-of-pocket for things including deductibles, co-insurance, and co-payments. To qualify for a Cost-Sharing Reductions your income must be within a certain range of the Federal Poverty Level and you must be enrolled in a Silver Tier Plan.
There are five tiers of coverage available through Your Health Idaho: Platinum, Gold, Silver, Bronze, and Catastrophic.
The names of these tiers do not reflect the quality or amount of care you receive. Instead, they indicate the percentage of costs that you pay compared to what the health insurance carrier covers. All plans cover the ten Essential Health Benefits listed above.
You must be enrolled in a Silver plan to qualify for Cost-Sharing Reductions, which lowers out-of-pocket costs.
Health plans offered through Your Health Idaho may have an overall quality rating based on member experience, medical care, and health plan administration. Plans are rated on a scale from one to five stars, with five indicating the highest quality.
The Centers for Medicare and Medicaid Services assigns these ratings based on data provided by insurance carriers from the previous year. As a result, some plans — such as those that are new or have low enrollment — may not have available ratings and display as “Not Available”. It is important to note that a lack of rating does not indicate that the plan is low quality.
Explore additional health coverage options designed to support your unique needs.
Access quality vision care benefits through our partnership with VSP® to keep your eye health protected.
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Comprehensive dental coverage options for adults and children to help maintain strong oral health.
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Health plan options designed for small businesses and nonprofits to support employees and organizations.
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Special enrollment flexibility and enhanced cost-sharing reductions available for eligible tribal members.
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