Idaho Health Insurance 2026
Health insurance in Idaho is sold through Your Health Idaho, with an estimated 30-55 plans available for 2026. The average Silver-tier premium is $490/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
Your Health Idaho
Your Health Idaho
Avg Silver Premium
$490/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
Idaho 2026 Health Insurance Quick Facts
| Field | Value | Notes |
|---|---|---|
| Marketplace | Your Health Idaho | State-run exchange |
| Open Enrollment 2026 | Oct 15, 2026 – Dec 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 30-55 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Your Health Idaho: Early Enrollment and Non-Standard Plan Options
Idaho operates its own state-based exchange, Your Health Idaho, with a notably earlier and shorter enrollment window than most states — running October 15 through December 15. The marketplace offers 30–55 plans, with Blue Cross of Idaho and PacificSource as dominant carriers. Idaho is one of the few states that permits the sale of non-ACA-compliant 'state-based' plans that can discriminate based on health status, creating a fragmented insurance market. Silver premiums average around $480–$505/month for a 40-year-old before subsidies. Rural Idaho has persistent network adequacy gaps, particularly in the eastern and central regions.
Idaho voters approved Medicaid expansion via ballot initiative in 2018 (Proposition 2), and the program took effect in 2020 after legislative delays. The expansion has covered over 100,000 Idahoans. Idaho previously had one of the largest coverage gaps in the West. The state's non-ACA-compliant plan option remains controversial, as it siphons healthier enrollees away from the ACA risk pool and can drive up costs for those who need comprehensive coverage. Navigator funding and enrollment assistance are available through Your Health Idaho.
What to Know About Health Insurance in Idaho
Top marketplace carriers
Leading 2026 ACA carriers in Idaho: Blue Cross of Idaho, Molina Healthcare, PacificSource Health Plans. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Notable state rule
Idaho's Your Health Idaho exchange opens early (October 15) with a shorter enrollment window, and Idaho allows non-ACA-compliant 'state-based' plans sold alongside marketplace plans.
Medicaid eligibility
Idaho expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
Idaho Pro Tip
Health Insurance FAQs — Idaho
Who runs the health insurance marketplace in Idaho?
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Idaho operates its own state-based exchange called Your Health Idaho at yourhealthidaho.org.
How much does Silver-tier health insurance cost in Idaho before subsidies?
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A 40-year-old non-smoker in Idaho typically pays about $480–$505/month for a Silver plan before subsidies.
Is Medicaid expanded in Idaho?
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Yes. Idaho expanded Medicaid in 2020 following a 2018 ballot initiative. Adults earning up to 138% FPL are generally eligible.
Related Guides
Marketplace data sourced from state and federal exchange filings for Idaho, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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