How Much Is Health Insurance in Idaho?

On this page

• What an Idaho Marketplace plan costs before subsidies
• What you’d pay after tax credits
• Costs beyond the premium
• Idaho Marketplace facts
• When to enroll
• Other options in Idaho
• Frequently asked questions

What an Idaho Marketplace plan costs before subsidies

Age	Benchmark silver plan, per month (2026 estimate)
21	$383
30	$435
40	$490
50	$685
60	$1,041
64	$1,150
Child under 15	$293

For a family with two 40-year-old parents and two young children, benchmark plans would come to about $1,567 a month before tax credits.

Idaho’s full prices are among the lower ones in the country. Across all plans chosen in 2026, the average premium before tax credits was $509 a month, compared with $741 nationally.

What you’d pay after tax credits

A premium tax credit is available if your household income falls between 100% and 400% of the federal poverty level, and it caps what you pay for the benchmark plan at a share of your income. Say you’re 40, single and earning $40,000 in Idaho. In 2026 you’d pay about $287 a month for the benchmark plan, and the credit would pick up about $203. Because Idaho’s prices are lower, the credit covers less of the bill than in higher-cost states. In 2027, your expected share rises slightly, to about $289 a month.

About 77% of Idaho enrollees got financial help in 2026, compared with about 87% nationally, and those who got a credit paid $108 a month on average. Above 400% of the poverty level ($62,600 for one person for 2026 coverage, $63,840 for 2027), you pay the full price.

Idaho expanded Medicaid after voters approved it in 2018, so adults with incomes up to 138% of the poverty level (about $22,025 a year for one person in 2026) can usually get Medicaid instead. Our guide to health insurance for low-income families covers the other routes.

Costs beyond the premium

What you pay when you use care depends on your plan’s deductible, copays and coinsurance, up to the out-of-pocket maximum: $10,600 for one person in 2026 and $12,000 in 2027. Silver plans have lower deductibles and copays through cost-sharing reductions if your income is under 250% of the poverty level.

Idaho Marketplace facts

• Marketplace: Your Health Idaho, the state’s own exchange, used in place of HealthCare.gov.
• Enrollment: 120,426 plan selections for 2026, up from 117,373 in 2025, while Marketplace sign-ups fell about 5% nationwide. The average enrollee paid $202 a month after tax credits.
• Insurers: Eight insurers sold 2026 plans: Blue Cross of Idaho, Molina Healthcare, Mountain Health Co-op, PacificSource, Regence BlueShield of Idaho, SelectHealth, St. Luke’s Health Plan and Moda Health. PacificSource is leaving for 2027. If it’s your insurer, see what to do if your insurance company leaves the Marketplace.
• 2027 prices: Still proposed in late September 2026. The Department of Insurance says insurers filed an average increase of 13% for individual plans, with final rates due around October 1, 2026. By insurer, requests range from about 8% (Regence BlueShield) to about 27% (Moda).
• State help: Idaho has no state premium subsidy. Its reinsurance waiver, which reaches the fourth of its five years in 2027, keeps 2027 individual premiums about 16% lower than they’d otherwise be, according to the Department of Insurance.
• Medicaid: Adults qualify up to 138% of the poverty level and children up to 190%. Starting January 1, 2027, most adults in the expansion group must show 80 hours a month of work, school, training or community service. Idaho looks back three months when you apply, the longest period federal law allows. See Medicaid work requirements.

When to enroll

Your Health Idaho’s open enrollment for 2027 coverage runs from October 15 to December 15, 2026. That starts more than two weeks before HealthCare.gov states and ends a month before they do, and there’s no January extension. After December 15, you’ll generally need a qualifying life event, such as losing other coverage, to sign up for 2027. See what to do if you missed open enrollment.

Other options in Idaho

• A plan through your employer, usually the lowest-cost choice when one is offered.
• Idaho Medicaid for adults up to 138% of the poverty level, and CHIP for children up to 190%; see health insurance for children.
• Medicare at 65.

Health insurance costs in nearby states: Montana, Oregon, Utah, Washington and Wyoming. You can also compare health insurance costs in every state.

Check 2027 plan prices in your Idaho county before open enrollment starts October 15: compare quotes by ZIP code.

Frequently asked questions

When is open enrollment in Idaho?

October 15 to December 15, 2026, through Your Health Idaho. That’s earlier than in most states, and there’s no January extension, so December 15 is the last day to pick a 2027 plan unless you have a qualifying life event.

Why is health insurance cheaper in Idaho than in many states?

Idaho’s reinsurance waiver offsets the premium impact of people with high-cost health conditions, and the state says it keeps 2027 premiums about 16% lower than they’d otherwise be. The 2026 benchmark for a 40-year-old was $490 a month, compared with $625 nationally.

Is PacificSource leaving Idaho?

Yes. PacificSource won’t offer plans on Your Health Idaho for 2027, so its members need to choose another plan during open enrollment. Seven insurers remain.

Will Idaho Medicaid have work requirements?

Yes, starting January 1, 2027. Most expansion adults must show 80 hours a month of work, school, training or volunteering, and Idaho checks the three months before you apply, the maximum allowed.

This article is general information, not insurance or tax advice. Your premium depends on your county, age, income and plan, and Idaho’s final 2027 rates may differ from what insurers proposed. Last reviewed September 2026.