Idaho Exchange Health Insurance Plans
Qualified Plans on Your Health Idaho
Beginning October 1, 2013, each state was required by law to have a new online marketplace where residents can buy health insurance. In these marketplaces, most states will offer five tiers of Obamacare Health Exchange Plans: platinum, gold, silver, bronze and catastrophic. Platinum plans will offer the highest level of coverage but tend to cost more in monthly premiums. Bronze plans will cover only a bare minimum of health care expenses but tend to have low premiums. If you are relatively healthy and want to pay less up front, consider a lower-tier plan such as bronze or silver.
You should also look at a Your Health Idaho plan if you are lower-income, because the government will give financial help on a sliding scale to pay for premiums, and better benefits if you select a silver-tier plan. If you have not already done so, we can tell you if a Your Health Idaho plan makes sense given your income on the State Overview tab, under the heading, "Do I Qualify For a Tax Break?"
Read ACA and Health Insurance: Which "Metal" Tier is Right for You? for more advice on choosing between metal tiers.
Blue Cross of Idaho. Blue Cross of Idaho is an independent licensee of the Blue Cross and Blue Shield Association, the oldest U.S. health insurance system. The Blue Cross and Blue Shield Association offers coverage in all 50 states, the District of Columbia and Puerto Rico and has 37 Blue Cross and Blue Shield companies that serve over 100 million members (one-third of all Americans), according to the company. Nationally, Blue Cross and Blue Shield companies have contracts with over 96 percent of hospitals and 91 percent of professional providers. Idaho residents who buy a Blue Cross and Blue Shield exchange plan may not have access to the entire network of doctors and hospitals.
BridgeSpan Health Company. BridgeSpan is affiliated with Regence BlueCross BlueShield of Oregon through its parent company, Cambia Health Solutions, according to the Oregon State Public Interest Research Group Foundation. BridgeSpan offers PPO exchange plans in Catastrophic through Gold tiers.
PacificSource Health Plans. Established in 1933, PacificSource is an independent nonprofit that has over 46,300 doctors and medical facilities in the northwestern U.S. In Idaho, PacificSource offers exchange plans in Catastrophic through Gold tiers.
SelectHealth. Established in 1983, this nonprofit has over 530,000 members in Utah and Idaho, according to eHealth. SelectHealth entered the Idaho insurance market through a partnership with St. Luke’s Health System. SelectHealth offers exchange plans in every tier.
Last updated by Heilbrunn, Evi | December 5, 2013