Health insurance prices in Clearwater County, ID (2026)

34 marketplace plans from 5 insurers. Cheapest plan $345/mo; typical Silver $547/mo. Official marketplace: Your Health Idaho (enter your ZIP for your real price and tax credit).

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). Rating Area 2.

Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.

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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 $345–$501 (typical $407) · Silver $468–$663 (typical $547) · Gold $523–$703 (typical $608) · Catastrophic $273–$296 (typical $285)

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.

Comparecheapest planInsurerPlansCheapest planTypical BronzeTypical SilverTypical GoldCheapest plan name
Blue Cross of IdahoIndependent Blue Cross Blue Shield company8$345$347$484$523CPN North Central Bronze 8000
Regence BlueCross BlueShield (ID)Cambia Health (Blue Cross Blue Shield company)7$370$382$510$555ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS
Moda Health8$395$399$586$620Moda Select Idaho Bronze 10,000 + Vision Exam
Mountain Health CO-OP5$464$469$641$703PEAK PPO BRONZE
PacificSource6$464$474$642$660Navigator Bronze HSA 8300

All 34 plans in Clearwater County, cheapest first

CompareInsurerPlanMetalNetworkMonthlyDeductibleOut-of-pocket maxBad year
Blue Cross of IdahoCPN North Central Catastrophic 10600CatastrophicPOS$273$10,600$10,600$13,875
Mountain Health CO-OPPEAK PPO CATASTROPHICCatastrophicPOS$296$10,600$10,600$14,158
Blue Cross of IdahoCPN North Central Bronze 8000Expanded BronzePOS$345$8,000$10,600$14,746
Blue Cross of IdahoCPN North Central Bronze HSA 6250Expanded BronzePOS$349$6,250$7,500$11,683
Regence BlueCross BlueShield (ID)ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POSExpanded BronzePOS$370$9,000$10,600$15,035
Regence BlueCross BlueShield (ID)ICON Bronze 8000 POSExpanded BronzePOS$382$8,000$10,600$15,187
Moda HealthModa Select Idaho Bronze 10,000 + Vision ExamExpanded BronzePOS$395$10,000$10,000$14,736
Moda HealthModa Select Idaho Bronze 9200 + Vision ExamExpanded BronzePOS$399$9,200$9,500$14,284
Regence BlueCross BlueShield (ID)ICON Bronze HSA 7000 POSExpanded BronzePOS$407$7,000$8,300$13,182
Moda HealthModa Select Idaho Bronze HDHP 7500Expanded BronzePOS$430$7,500$7,500$12,659
PacificSourceNavigator Bronze HSA 8300Expanded BronzePOS$464$8,300$8,300$13,868
Mountain Health CO-OPPEAK PPO BRONZEExpanded BronzePOS$464$9,000$10,500$16,070
Blue Cross of IdahoCPN North Central Silver 7100SilverPOS$468$7,100$8,850$14,467
Mountain Health CO-OPPEAK PPO BRONZE HDHPExpanded BronzePOS$473$8,400$8,400$14,075
PacificSourceNavigator Bronze HSA 10600Expanded BronzePOS$474$10,600$10,600$16,288
Blue Cross of IdahoCPN North Central Silver 5500SilverPOS$484$5,500$9,200$15,002
Blue Cross of IdahoCPN North Central Silver 4000SilverPOS$484$4,000$9,200$15,003
Blue Cross of IdahoCPN North Central Silver Copay 3200SilverPOS$488$3,200$9,200$15,054
Regence BlueCross BlueShield (ID)ICON Silver 6500 POSSilverPOS$501$6,500$10,150$16,162
PacificSourceNavigator Bronze HSA 6000Expanded BronzePOS$501$6,000$10,600$16,612
Regence BlueCross BlueShield (ID)ICON Silver 5700 Separate RX Deductible POSSilverPOS$518$5,700$10,150$16,369
Blue Cross of IdahoCPN North Central Gold 2000GoldPOS$523$2,000$8,000$14,277
Regence BlueCross BlueShield (ID)ICON Gold 2300 POSGoldPOS$546$2,300$10,150$16,699
Regence BlueCross BlueShield (ID)ICON Gold 1500 POSGoldPOS$564$1,500$10,150$16,924
Moda HealthModa Select Idaho Silver 6400 + Vision ExamSilverPOS$577$6,400$7,400$14,320
Moda HealthModa Select Idaho Silver 4000 + Vision ExamSilverPOS$586$4,000$8,900$15,927
Moda HealthModa Select Idaho Silver 3000 + Vision ExamSilverPOS$596$3,000$8,500$15,653
Moda HealthModa Select Idaho Gold 2200 + Vision ExamGoldPOS$608$2,200$7,600$14,900
PacificSourceNavigator Silver 6000SilverPOS$620$6,000$9,300$16,740
Moda HealthModa Select Idaho Gold 1100 + Vision ExamGoldPOS$631$1,100$8,000$15,572
Mountain Health CO-OPPEAK PPO SILVERSilverPOS$641$8,000$9,500$17,189
PacificSourceNavigator Gold 2000GoldPOS$660$2,000$9,200$17,120
PacificSourceNavigator Silver 3600SilverPOS$663$3,600$10,600$18,556
Mountain Health CO-OPPEAK PPO GOLDGoldPOS$703$1,500$7,000$15,442
Deductibles and a bad year, by metal level
MetalLowestTypical*HighestPlansTypical deductibleTypical out-of-pocket maxTypical bad year**
Bronze$345$407$50113$8,300$10,000$14,736
Silver$468$547$66312$5,600$9,200$15,790
Gold$523$608$7037$2,000$8,000$15,572
CatastrophicUnder 30 or hardship exemption only$273$285$2962$10,600$10,600$14,016

* 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.

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