Find Affordable Coverage in Idaho
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Idaho ACA Marketplace Overview
In 2026, approximately 110,000 Idaho residents are enrolled in ACA Marketplace coverage. Idaho uses its own state-run exchange for health insurance enrollment.
Idaho has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Idaho?
The benchmark Silver plan (second-lowest-cost Silver plan) in Idaho costs approximately $398/month before subsidies in 2026. However, most Idaho residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Idaho households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Idaho household income.
Top ACA Health Insurance Companies in Idaho
The following carriers offer ACA Marketplace plans in Idaho for 2026:
- Blue Cross of Idaho
- SelectHealth
- PacificSource
Plan availability varies by county in Idaho. Use Your Health Idaho to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Idaho
- Bronze: Lowest premiums, highest deductibles. Best for healthy Idaho residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Idaho households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Idaho residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Idaho counties.
When to Enroll in Idaho
- Open Enrollment: November 1 – January 15 on Your Health Idaho
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Idaho Insurance Resources
- Your Health Idaho — Official Idaho enrollment portal
- Idaho Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit