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Health Insurance Solutions

Licensed in Idaho

Health insurance and Medicare in Idaho

Health Insurance Solutions is an independent agency licensed in Idaho. Our agents compare ACA marketplace, Medicare and other health plans for people in Idaho at no cost to you. Open enrollment for 2027 coverage runs October 15, 2026 to December 15, 2026 on Your Health Idaho.

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Facts reviewed

Idaho at a glance for 2027

Marketplace
Your Health IdahoRun by the state
Open enrollment for 2027
October 15, 2026 to December 15, 2026
For coverage on January 1
Pick a plan by December 15, 2026
Medicaid
Expanded in 2020Idaho Medicaid
Medicare plan changes
October 15 to December 7, 2026
Medicare counseling
SHIBA (Senior Health Insurance Benefits Advisors)Free and unbiased

What changes in Idaho for 2027?

Smaller marketplace savings

The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.

Medicaid work requirements

Federal law requires states that expanded Medicaid to start work requirements by January 1, 2027. Most expansion adults ages 19 to 64 must show 80 hours a month of work, school, job training or volunteering unless they qualify for an exemption, such as being pregnant, having a disability or being the parent of a child 13 or younger.

Medicare plan changes

Medicare's annual enrollment period runs October 15 to December 7, 2026. If you have a Medicare Advantage plan, you can switch again from January 1 to March 31, 2027.

How much help can I get with health insurance in Idaho for 2027?

Enter your household size and expected income to see your estimated 2027 premium and whether Idaho Medicaid may apply.

You expect to pay about $289 a month

That is 8.68% of your income for the benchmark silver plan, at 251% of the poverty level. Add the benchmark plan price above to see your tax credit.

Poverty level used: $15,960 for 1 person (2026 guidelines).

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This is an estimate, not a quote. Open the full calculator.

How do I get health insurance in Idaho?

  1. Mark your dates

    Open enrollment for 2027 coverage runs October 15, 2026 to December 15, 2026 on Your Health Idaho.

  2. Check Medicaid and savings

    Adults earning up to 138% of the federal poverty level can get Idaho Medicaid. Above that, Your Health Idaho shows the savings you qualify for when you apply.

  3. Compare plans with a licensed agent

    A Health Insurance Solutions agent licensed in Idaho compares the plans available in your ZIP code, explains the tradeoffs and helps you enroll. Our help costs you nothing.

  4. Enroll before the deadline

    Pick a plan by December 15, 2026 for coverage that starts January 1, 2027. After open enrollment ends, you usually need a qualifying life event, like losing other coverage or moving, to enroll.

Talk to an agent licensed in Idaho

We compare plans, explain the tradeoffs and help you enroll. It costs you nothing.

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Good to know in Idaho

Idaho's open enrollment starts and ends earlier than most states, so the shopping window closes on December 15.

What should people with Medicare in Idaho know?

Medicare dates are the same in every state. Each state sets its own Medigap rules, so that is where Idaho differs.

How Medicare coverage works
Annual enrollment period
October 15 to December 7, 2026. Join, switch or drop a Medicare Advantage or Part D plan for 2027.
Medicare Advantage open enrollment
January 1 to March 31, 2027. If you have a Medicare Advantage plan, you can switch to another one or return to Original Medicare.
Medigap if you are under 65
Yes. State law requires insurers to offer Medigap to people under 65 who have Medicare because of a disability.
Switching Medigap plans
Birthday rule: for 63 days starting on your birthday, you can switch to a Medigap plan with the same or fewer benefits, from any insurer, without health questions.
Free, unbiased counseling
SHIBA (Senior Health Insurance Benefits Advisors). Find a local counselor at shiphelp.org.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Plans we help with in Idaho

Local guides for Idaho cities

Find insurers and hospitals in Idaho

Browse state-specific insurer and hospital listings, see the sources, and learn what to confirm before you choose a plan.

Explore Idaho insurers and hospitals

Idaho health insurance questions

When is open enrollment for 2027 health insurance in Idaho?

Open enrollment for 2027 coverage in Idaho runs from October 15, 2026 to December 15, 2026 on Your Health Idaho. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.

Can I get health insurance in Idaho after open enrollment ends?

Yes, if you have a qualifying life event. Losing other coverage, moving, getting married or having a baby usually opens a 60-day special enrollment period on Your Health Idaho. Medicaid and CHIP accept applications all year.

Can I still get help paying for a marketplace plan in Idaho in 2027?

Yes, if your household income is between 100% and 400% of the federal poverty level. The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.

Has Idaho expanded Medicaid?

Yes. Idaho expanded Medicaid in 2020, so adults ages 19 to 64 with income up to 138% of the federal poverty level can qualify for Idaho Medicaid.

Do Medicaid work requirements apply in Idaho?

Yes. Federal law requires states that expanded Medicaid to start work requirements by January 1, 2027. Most expansion adults ages 19 to 64 must show 80 hours a month of work, school, job training or volunteering unless they qualify for an exemption, such as being pregnant, having a disability or being the parent of a child 13 or younger.

Can I switch Medigap plans in Idaho without health questions?

Yes, in some cases. Birthday rule: for 63 days starting on your birthday, you can switch to a Medigap plan with the same or fewer benefits, from any insurer, without health questions.

Where can I get free Medicare counseling in Idaho?

In Idaho, free and unbiased Medicare counseling comes from the State Health Insurance Assistance Program, called SHIBA (Senior Health Insurance Benefits Advisors). You can find a local counselor at shiphelp.org.

Is Health Insurance Solutions licensed in Idaho?

Yes. Health Insurance Solutions is an independent insurance agency licensed in Idaho and 21 other states. Our agents compare plans from multiple insurers and help you enroll, at no cost to you.

Sources

Facts reviewed

Rules change. Confirm dates and eligibility with your marketplace, your state Medicaid agency or Medicare before you enroll.

Other states we serve

Compare all 22 states