Individuals and Families

If you are looking to find quality health insurance coverage for you and your family, you have come to the right place. During open enrollment between November 15, 2014 and February 15, 2015, you can shop, compare and choose a plan for yourself or your family.

At any time if you have questions or need more information, you can find free help near you from Your Health Idaho certified agents, brokers and Enrollment Counselors.

Estimate Your Savings

With several individual and family plans available across the state, you have many choices when shopping on Your Health Idaho. When open enrollment starts on November 15, 2014, you will be able to create an account, fill out an application and enroll in coverage.

By going to our anonymous browsing and cost-savings estimator you can look right now to see if you may be eligible for the premium tax credit lower your costs.

Shop For Plans

On our anonymous browsing tool, you can view plans from health insurance companies and make apples-to-apples comparisons between benefits and prices.

There are 5 categories, or metal levels, of coverage on Your Health Idaho. These categories refer to how you and your plan share costs of covered services. The categories having nothing to do with the quality or amount of care you get.
Metal Level Chart

What to consider when choosing a plan category

Bronze plans generally have the lowest monthly premiums, but the highest out-of-pocket costs when you use a medical service. Platinum plans have higher monthly premiums, but you generally pay less when you use a medical service.

Note that if you qualify for cost-sharing reductions you can only qualify for those savings on out-of-pocket costs if you enroll in a Silver plan.

If you are under 30 or have a hardship exemption you can consider a catastrophic plan designed to protect you from worst-case scenarios, like serious accidents or diseases.

Plan Benefits

All plans sold on Your Health Idaho have met the high standards of Your Health Idaho and the Idaho Department of Insurance (DOI). You can rest assured that each plan sold on YHI covers the same set of essential health benefits (EHBs) with the exception of catastrophic plans. The amount you pay for these services will vary by the plan you select. These benefits include:

  • Ambulatory care (outpatient) services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance abuse services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services, including annual physicals and mammograms
  • Chronic disease management
  • Pediatric services, including dental and vision
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