How To Enroll

Open Enrollment has ended, but you may still qualify for coverage. Visit the Special Enrollment page to learn more.

If you are looking for insurance for your family or small business, you have come to the right place. At Your Health Idaho, you can shop, compare, and chose the right plan for your needs. Your Health Idaho is also the only place where you can receive a tax credit to help offset the cost of coverage.

To enroll in an insurance plan with Your Health Idaho:

  1. Apply for cost-savings with the Idaho Department of Health and Welfare.
  2. Create an account on Your Health Idaho.
  3. Shop for a plan that is right for you.
  4. Enroll and make your first premium payment.

If you need help along the way, certified agents, brokers, and enrollment counselors are available to help free of charge. Find help near you.

If you are visiting this page outside of Open Enrollment, please visit the Special Enrollment page to see if you may be eligible for coverage.

If you are interested in health insurance coverage for your small business, visit the Small Business Insurance page for more information.

What You Need to Apply

Some information will be needed in order to apply for insurance. To make the process easier, have the following information on hand when you fill out your application or when you visit an agent or broker.

what-you-need-to-apply-chart

Applying online or in person with an agent or broker is best, but if you are unable to do so, you may fill out and mail the paper application. Download paper application here.

Plan Benefits

All plans sold on Your Health Idaho have met the high standards of Your Health Idaho and the Idaho Department of Insurance. With the exception of catastrophic plans, each plan sold on Your Health Idaho covers the same set of essential health benefits. 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

Estimate Your Savings

Your Health Idaho is the only place where Idahoans can receive a tax credit to lower monthly insurance payments and cost-sharing reductions, which lower out-of-pocket costs for things like co-pays and prescriptions.

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. The best way to find out if you could qualify for cost savings is to visit the Your Health Idaho tax credit estimator.

Shop for Plans

On our anonymous browsing tool, you can view plans from health insurance companies and make comparisons between benefits and prices before you apply and enroll.

There are four 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 category names do not indicate the quality or amount of care you receive.

What to consider when choosing a plan category

Bronze plans generally have the lowest monthly premiums, but require 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.

www.yourhealthidaho.org
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