About Your Health Idaho
What is Your Health Idaho?
Your Health Idaho is Idaho’s state-based health insurance marketplace where you can shop, compare, and choose the health, dental, and vision insurance plan that is right for you. Your Health Idaho is also the only place Idahoans can apply for and receive the Advance Premium Tax Credit (APTC) that can lower your monthly health insurance premiums.
Who is eligible for coverage through Your Health Idaho?
To enroll in coverage through Your Health Idaho:
- You must be a U.S. citizen or national. If you are a non-citizen, you must be lawfully present in the U.S. for the entire time you plan to have health coverage
- You must live in the U.S. and have a primary residence in Idaho
- You must be considered a resident of the U.S. and Idaho for tax purposes
- You cannot be incarcerated
Apply and Enrolling in Coverage
Where can I find Idaho plans?
At Your Health Idaho, you have options. You can shop and compare plans side-by- side on the Your Health Idaho website. View current plans and prices.
How do I apply for coverage?
You can set up an account, shop for plans, and apply for coverage online. Visit Apply and Enroll for more information. No computer? No problem. To apply over the phone, call Your Health Idaho’s Customer Support Center at 855-944-3246.
What if I don't have a Social Security Number? (SSN) or want to provide one?
Providing an SSN is optional for creating an account. The SSN is used to prevent duplication of accounts and ensure applications and referrals are automatically linked to your household. If you opt to complete the process without an SSN, you will have to manually verify your identity. If you have any questions, please contact the Customer Support Center at 855-944-3246 or chat with us live, and we’d be happy to assist.
What is Open Enrollment?
Open Enrollment is typically held from October 15 through December 15. This is when Idahoans can enroll in a private health insurance plan for the coming year. Idahoans already enrolled through Your Health Idaho can make changes to or renew their existing coverage.
Outside of Open Enrollment, Idahoans who experience a Qualifying Life Event (QLE) are able to enroll in health insurance coverage.
When is Open Enrollment?
Open Enrollment is usually held October 15 – December 15.
Can I get coverage outside of Open Enrollment?
If you experience a Qualifying Life event (QLE) such as marriage, divorce, birth or adoption of a child, or loss of current coverage, you may be eligible for a Special Enrollment Period (SEP). A SEP allows individuals and families to enroll in a new insurance plan or make changes to their current plan. Visit Special Enrollment to learn more.
Where can I find help?
Your Health Idaho has hundreds of certified agents and brokers across the state available at no cost to you, ready to answer your questions, walk you through the application, and help you pick a plan. Find an agent or broker near you by visiting our Find Help page.
Insurance Coverage and Benefits
What benefits are covered by my health insurance plan?
All plans offered through Your Health Idaho meet the high standards of state and federal requirements. Every plan offered through Your Health Idaho is required to cover ten essential health benefits, including:
- Doctor visits
- Emergency services
- Mental health and substance abuse services
- Rehabilitative and habilitative services (like chronic disease management)
- Maternity and newborn care
- Laboratory tests
- Prescription medicine
- Preventive wellness and screenings
- Pediatric care (includes oral and vision health)
I have a pre-existing health condition. Will I be denied coverage or have to pay more?
All plans must cover treatment for pre-existing medical conditions. No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started. Once you’re enrolled, the plan can’t deny you coverage or raise your rates based only on your health.
Cost-Savings on Your Health Idaho?
How much does health insurance coverage cost with Your Health Idaho?
The price of health insurance through Your Health Idaho is determined by the plan you choose. You may also qualify for a tax credit that would cover some or all of the cost of monthly premiums or Cost-Sharing Reductions on Silver Tier plans that can cover out-of-pocket expenses. Tax credit and Cost-Sharing Reduction eligibility is based on household size, income, and other factors. Visit Apply and Enroll to learn more about applying for cost savings.
With Your Health Idaho, you can compare a wide range of health insurance plans and choose the one that works best for you and your budget. View current plans and prices now.
What is APTC?
The Advance Premium Tax Credit, or APTC, is a tax credit that can be applied to monthly premium payments to help lower the cost of coverage.
What is CSR?
Cost-Sharing Reduction, or CSR, is a discount that lowers the amount you pay out-of-pocket for things like deductibles, co-insurance, and co-payments. To qualify for a CSR your income must be within a certain range, and you must enroll in a Silver Tier Plan.
I have never filed income taxes before, can I still receive a tax credit?
Yes, you can still qualify for a tax credit, even if you have never filed taxes before. However, if you apply for and receive a tax credit, you must file a tax return for that plan year.
Failure to file taxes for the year in which you receive a tax credit will prevent you from receiving future tax credits.
How can I report a life changing event?
A life changing event, also known as a Qualifying Life Event (QLE) must be reported to Your Health Idaho.
For more details, go to Report a Change.