Health insurance prices in Idaho (2026)
158 marketplace plans from 8 insurers across 44 counties. Official marketplace: Your Health Idaho.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $331–$501 (typical $397) · Silver $468–$663 (typical $542) · Gold $493–$715 (typical $563) · Platinum $649–$666 (typical $658) · Catastrophic $214–$319 (typical $301)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 44) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 7 | 13 | $474 Silver | no Bronze | $513 | $539 | Molina Silver Saver with Four Free PCP Visits |
| Regence BlueCross BlueShield (ID)Cambia Health (Blue Cross Blue Shield company) | 44 | 12 | $355 | $396 | $514 | $560 | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS |
| St. Luke's Health Plan | 20 | 4 | $349 | $362 | $515 | $536 | St Luke's Health Plan Expanded Bronze |
| Blue Cross of IdahoIndependent Blue Cross Blue Shield company | 44 | 63 | $345 | $387 | $537 | $572 | CPN North Central Bronze 8000 |
| SelectHealthIntermountain Health | 33 | 36 | $349 | $405 | $560 | $557 | Select Health SAHA Bronze 8000 |
| PacificSource | 44 | 6 | $406 | $431 | $580 | $592 | Navigator Bronze HSA 8300 |
| Moda Health | 33 | 8 | $331 | $399 | $586 | $608 | Moda Select Idaho Bronze 10,000 + Vision Exam |
| Mountain Health CO-OP | 44 | 16 | $347 | $467 | $641 | $703 | LINK BRONZE |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $331 | $397 | $501 | 52 | $8,000 | $9,950 | $14,720 |
| Silver | $468 | $542 | $663 | 64 | $5,000 | $9,200 | $15,819 |
| Gold | $493 | $563 | $715 | 30 | $1,640 | $8,100 | $15,160 |
| Platinum | $649 | $658 | $666 | 1 | $500 | $1,500 | $9,393 |
| CatastrophicUnder 30 or hardship exemption only | $214 | $301 | $319 | 11 | $10,600 | $10,600 | $14,215 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Idaho
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Ada County | 8 | 89 | $331 | $377 | $527 |
| Adams County | 7 | 54 | $331 | $387 | $538 |
| Bannock County | 7 | 64 | $355 | $397 | $539 |
| Bear Lake County | 6 | 49 | $355 | $411 | $561 |
| Benewah County | 5 | 34 | $358 | $399 | $527 |
| Bingham County | 7 | 79 | $355 | $398 | $541 |
| Blaine County | 6 | 46 | $349 | $404 | $561 |
| Boise County | 7 | 76 | $331 | $377 | $523 |
| Bonner County | 6 | 47 | $358 | $399 | $504 |
| Bonneville County | 7 | 72 | $364 | $407 | $527 |
| Boundary County | 5 | 34 | $358 | $399 | $527 |
| Butte County | 4 | 47 | $364 | $388 | $525 |
| Camas County | 6 | 53 | $349 | $406 | $561 |
| Canyon County | 8 | 89 | $331 | $377 | $527 |
| Caribou County | 6 | 51 | $355 | $397 | $546 |
| Cassia County | 7 | 78 | $349 | $404 | $561 |
| Clark County | 4 | 33 | $364 | $391 | $515 |
| Clearwater County | 5 | 34 | $345 | $407 | $547 |
| Custer County | 6 | 59 | $364 | $398 | $538 |
| Elmore County | 7 | 68 | $331 | $381 | $527 |
| Franklin County | 6 | 49 | $355 | $411 | $561 |
| Fremont County | 6 | 59 | $364 | $407 | $552 |
| Gem County | 7 | 76 | $331 | $377 | $523 |
| Gooding County | 6 | 53 | $349 | $406 | $561 |
| Idaho County | 5 | 48 | $345 | $399 | $552 |
| Jefferson County | 6 | 59 | $364 | $407 | $552 |
| Jerome County | 6 | 46 | $349 | $404 | $561 |
| Kootenai County | 7 | 55 | $358 | $414 | $531 |
| Latah County | 5 | 34 | $345 | $407 | $547 |
| Lemhi County | 6 | 45 | $364 | $408 | $534 |
| Lewis County | 5 | 34 | $345 | $407 | $547 |
| Lincoln County | 6 | 46 | $349 | $404 | $561 |
| Madison County | 6 | 59 | $364 | $407 | $552 |
| Minidoka County | 7 | 71 | $349 | $401 | $561 |
| Nez Perce County | 5 | 41 | $345 | $399 | $510 |
| Oneida County | 6 | 49 | $355 | $411 | $561 |
| Owyhee County | 7 | 68 | $331 | $379 | $524 |
| Payette County | 7 | 76 | $331 | $377 | $523 |
| Power County | 6 | 51 | $355 | $397 | $546 |
| Shoshone County | 5 | 34 | $358 | $399 | $527 |
| Teton County | 6 | 59 | $364 | $407 | $552 |
| Twin Falls County | 6 | 46 | $349 | $404 | $561 |
| Valley County | 6 | 48 | $347 | $385 | $539 |
| Washington County | 7 | 76 | $331 | $377 | $523 |
To compare insurance plans side by side (or with health sharing), open your county.