Loss of Coverage

Idahoans who have lost employer-sponsored health insurance as a result of termination, layoff, or furlough due to COVID-19 are eligible for a Special Enrollment Period. In partnership with the Idaho Department of Insurance and Idaho insurance providers, Your Health Idaho has relaxed the requirements for eligible Idahoans to enroll during this critical time.

Under the newly relaxed policy, a written statement explaining the loss of employer health benefits is the only documentation required to enroll. To request a Special Enrollment Period, complete the form at the bottom of this page.  

Important: Verification documents proving loss of coverage are not required to complete a Special Enrollment Period request. However, you may be asked to provide verification after enrollment to maintain insurance coverage. If requested, you will have 60 days from the date of the notice to submit documentation to Your Health Idaho. If acceptable documentation is not submitted, your enrollment could be retroactively cancelled.

Loss of Coverage

If you or someone in your household recently lost, or expects to lose, qualified health insurance coverage, you could be eligible to enroll with Your Health Idaho.

You could qualify for a Special Enrollment Period (SEP) if you experienced one of the following Qualifying Life Events (QLE) in the last 60 days:

  • Loss of employer (or spouse’s employer) coverage
  • Loss of other coverage such as Medicare, Medicaid, CHIP, Tricare or PeaceCorps coverage
  • Exhaustion of employer-sponsored COBRA or PERSI benefits
  • Discontinuation of marketplace coverage
  • Dependent turns 26 and ages out of parent or guardian’s insurance plan
  • Death of primary subscriber

To report your change, you must provide documented proof. Accepted documents include:

If you lost qualified health coverage

These documents prove eligibility:

  • Dated termination letter from your employer (letter must clearly state that termination resulted in a loss of coverage and include the coverage end date)
  • Dated letter of fund exhaustion from PERSI (sent three months prior to exhaustion of funds)
  • COBRA notice of termination of employer contribution to enrollment
  • Employer letter of exhaustion of contribution to COBRA enrollment
  • Termination letter from your health insurance company
  • Termination letter from a government provider (e.g., Medicaid)

If you turned 26 and aged out of your health insurance coverage.

  • Provide documentation of previous coverage and of age.

If you lost coverage because the primary tax filer in your household is deceased.

Provide documentation of previous coverage and one of these documents to prove eligibility:

  • Copy of death certificate
  • Signed affidavit
  • Newspaper obituary
  • Mortuary notice

If your hardship exemption was cancelled

  • Provide a copy of the Health and Human Services exemption certification.

For most QLEs, you have 60 days from the date of your event to enroll in coverage. This means you must report your change, provide documentation, and select a plan and enroll by the end of the 60 days.

If you have questions, or would like more information, contact Your Health Idaho at 855-944-3246 or submit a support request online.

How you report your QLE depends on if you already have coverage or receive a tax credit to help cover the cost of your insurance premium.

For existing accounts, please log in to your account to edit your application.

For new customers, create your account and complete your application.