Individuals and Families

If you are looking to find quality health insurance for you or your family, you have come to the right place. Your Health Idaho is the only place where you can qualify for a tax credit to help offset the cost of coverage. With Your Health Idaho you can shop, compare, and choose the right plan to fit your needs.

What You Need to Apply

When you apply for coverage, you will need to provide some information about yourself and the members of your household who are enrolling. Make the process easier by having the following information on hand when you fill out your application:

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 (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

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 first view plans from health insurance companies and make apples-to-apples comparisons between benefits and prices before you apply and enroll.

There are four categories, or metal levels, of coverage on Your Health Idaho. The category names do not indicate the quality or amount of care you receive.
Your Health Idaho insurance plans metal levels

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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