Frequently Asked Questions

About Your Health Idaho

Your Health Idaho is Idaho’s state-based health insurance marketplace where you can shop, compare, and choose the health and dental insurance plan that is right for you. Your Health Idaho is also the only place Idahoans can access the Advance Premium Tax Credit (APTC).

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.

Applying and Enrolling in Coverage

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.

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 or to request a paper application, call Your Health Idaho at 1-855-944-3246.

Open Enrollment is November 1- December 15. During this time all eligible Idahoans can apply for and enroll in coverage. Consumers who currently have coverage through Your Health Idaho can change plans and/or renew their coverage during Open Enrollment.

If you experience a Qualifying Life event (QLE) such as marriage, divorce, birth or adoption of a child, or loss of employer 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 change plans if already enrolled. Visit Special Enrollment to learn more.

You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time, if determined eligible by Idaho Department of Health and Welfare. There is no limited enrollment period for these programs.

Consumer Connectors are available for free assistance across the state of Idaho. These agents, brokers, and enrollment counselors are certified by Your Health Idaho and are experts at navigating the application process and finding coverage that is right for your family. Find free help in your area.

Insurance Coverage and Benefits

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
  • Hospitalization
  • 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)

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

The price of health insurance for individuals and families on Your Health Idaho is determined by the plan you choose. You may qualify for a tax credit that can help offset the cost of monthly premiums and out-of-pocket expenses. Tax credit and cost-sharing reduction eligibility is determined by the Idaho Department of Health and Welfare and 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.

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. APTC eligibility is determined by the Idaho Department of Health and Welfare.

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 level health plan. CSR eligibility is determined by the Idaho Department of Health and Welfare.

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 will prevent you from receiving future tax credits.

More Information

When questions or concerns come up, there are several options to help you navigate the enrollment process and maximize your benefits.

Consumer Connectors are available for free assistance across the state of Idaho. These agents, brokers, and enrollment counselors are certified by Your Health Idaho and are experts at navigating the application process and finding coverage that is right for your family. Find free help in your area.

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