Health insurance prices in Franklin County, ID (2026)
49 marketplace plans from 6 insurers. Cheapest plan $355/mo; typical Silver $561/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 6.
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 $355–$478 (typical $411) · Silver $481–$648 (typical $561) · Gold $524–$711 (typical $600) · Catastrophic $300–$311 (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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Regence BlueCross BlueShield (ID)Cambia Health (Blue Cross Blue Shield company) | 7 | $355 | $367 | $490 | $533 | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS | |
| Blue Cross of IdahoIndependent Blue Cross Blue Shield company | 15 | $381 | $389 | $536 | $597 | PQA Southeast Bronze Connect 8000 | |
| PacificSource | 6 | $423 | $431 | $584 | $601 | Navigator Bronze HSA 8300 | |
| Moda Health | 8 | $395 | $399 | $586 | $620 | Moda Select Idaho Bronze 10,000 + Vision Exam | |
| SelectHealthIntermountain Health | 8 | $446 | $453 | $605 | $599 | BrightPath Exp Bronze 5000 | |
| Mountain Health CO-OP | 5 | $469 | $473 | $648 | $711 | PEAK PPO BRONZE |
All 49 plans in Franklin County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Mountain Health CO-OP | PEAK PPO CATASTROPHIC | Catastrophic | POS | $300 | $10,600 | $10,600 | $14,196 | |
| Blue Cross of Idaho | PQA Southeast Catastrophic Connect 10600 | Catastrophic | POS | $301 | $10,600 | $10,600 | $14,215 | |
| Blue Cross of Idaho | Hometown East Catastrophic 10600 | Catastrophic | POS | $311 | $10,600 | $10,600 | $14,335 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS | Expanded Bronze | POS | $355 | $9,000 | $10,600 | $14,860 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze 8000 POS | Expanded Bronze | POS | $367 | $8,000 | $10,600 | $15,005 | |
| Blue Cross of Idaho | PQA Southeast Bronze Connect 8000 | Expanded Bronze | POS | $381 | $8,000 | $10,600 | $15,176 | |
| Blue Cross of Idaho | PQA Southeast Bronze HSA Connect 6250 | Expanded Bronze | POS | $385 | $6,250 | $7,500 | $12,117 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze HSA 7000 POS | Expanded Bronze | POS | $391 | $7,000 | $8,300 | $12,989 | |
| Blue Cross of Idaho | Hometown East Bronze 8000 | Expanded Bronze | POS | $394 | $8,000 | $10,600 | $15,329 | |
| Moda Health | Moda Select Idaho Bronze 10,000 + Vision Exam | Expanded Bronze | POS | $395 | $10,000 | $10,000 | $14,736 | |
| Blue Cross of Idaho | Hometown East Bronze HSA 6250 | Expanded Bronze | POS | $398 | $6,250 | $7,500 | $12,271 | |
| Moda Health | Moda Select Idaho Bronze 9200 + Vision Exam | Expanded Bronze | POS | $399 | $9,200 | $9,500 | $14,284 | |
| PacificSource | Navigator Bronze HSA 8300 | Expanded Bronze | POS | $423 | $8,300 | $8,300 | $13,376 | |
| Moda Health | Moda Select Idaho Bronze HDHP 7500 | Expanded Bronze | POS | $430 | $7,500 | $7,500 | $12,659 | |
| PacificSource | Navigator Bronze HSA 10600 | Expanded Bronze | POS | $431 | $10,600 | $10,600 | $15,772 | |
| SelectHealth | BrightPath Exp Bronze 5000 | Expanded Bronze | PPO | $446 | $5,000 | $9,950 | $15,302 | |
| SelectHealth | BrightPath Exp Bronze 8600 | Expanded Bronze | PPO | $453 | $8,600 | $8,600 | $14,041 | |
| PacificSource | Navigator Bronze HSA 6000 | Expanded Bronze | POS | $457 | $6,000 | $10,600 | $16,084 | |
| SelectHealth | BrightPath Exp Bronze 7000 - no deductible for office visits | Expanded Bronze | PPO | $459 | $7,000 | $9,900 | $15,413 | |
| Mountain Health CO-OP | PEAK PPO BRONZE | Expanded Bronze | POS | $469 | $9,000 | $10,500 | $16,129 | |
| Mountain Health CO-OP | PEAK PPO BRONZE HDHP | Expanded Bronze | POS | $478 | $8,400 | $8,400 | $14,135 | |
| Regence BlueCross BlueShield (ID) | ICON Silver 6500 POS | Silver | POS | $481 | $6,500 | $10,150 | $15,924 | |
| Regence BlueCross BlueShield (ID) | ICON Silver 5700 Separate RX Deductible POS | Silver | POS | $498 | $5,700 | $10,150 | $16,124 | |
| Blue Cross of Idaho | PQA Southeast Silver Connect 7100 | Silver | POS | $517 | $7,100 | $8,850 | $15,051 | |
| Regence BlueCross BlueShield (ID) | ICON Gold 2300 POS | Gold | POS | $524 | $2,300 | $10,150 | $16,441 | |
| Blue Cross of Idaho | PQA Southeast Silver Connect 5500 | Silver | POS | $534 | $5,500 | $9,200 | $15,605 | |
| Blue Cross of Idaho | PQA Southeast Silver Connect 4000 | Silver | POS | $534 | $4,000 | $9,200 | $15,606 | |
| Blue Cross of Idaho | Hometown East Silver 7100 | Silver | POS | $534 | $7,100 | $8,850 | $15,257 | |
| Blue Cross of Idaho | PQA Southeast Silver Copay Connect 3200 | Silver | POS | $539 | $3,200 | $9,200 | $15,662 | |
| Regence BlueCross BlueShield (ID) | ICON Gold 1500 POS | Gold | POS | $542 | $1,500 | $10,150 | $16,656 | |
| Blue Cross of Idaho | Hometown East Silver 5500 | Silver | POS | $552 | $5,500 | $9,200 | $15,818 | |
| Blue Cross of Idaho | Hometown East Silver 4000 | Silver | POS | $552 | $4,000 | $9,200 | $15,819 | |
| Blue Cross of Idaho | Hometown East Silver Copay 3200 | Silver | POS | $556 | $3,200 | $9,200 | $15,878 | |
| PacificSource | Navigator Silver 6000 | Silver | POS | $565 | $6,000 | $9,300 | $16,080 | |
| SelectHealth | BrightPath Silver 3000 | Silver | PPO | $575 | $3,000 | $9,900 | $16,795 | |
| Moda Health | Moda Select Idaho Silver 6400 + Vision Exam | Silver | POS | $577 | $6,400 | $7,400 | $14,320 | |
| Moda Health | Moda Select Idaho Silver 4000 + Vision Exam | Silver | POS | $586 | $4,000 | $8,900 | $15,927 | |
| Moda Health | Moda Select Idaho Silver 3000 + Vision Exam | Silver | POS | $596 | $3,000 | $8,500 | $15,653 | |
| Blue Cross of Idaho | Hometown East Gold 2000 | Gold | POS | $597 | $2,000 | $8,000 | $15,160 | |
| SelectHealth | BrightPath Gold 1000 - no deductible for office visits | Gold | PPO | $599 | $1,000 | $9,900 | $17,090 | |
| PacificSource | Navigator Gold 2000 | Gold | POS | $601 | $2,000 | $9,200 | $16,412 | |
| SelectHealth | BrightPath Silver 5000 - no deductible for office visits | Silver | PPO | $601 | $5,000 | $9,900 | $17,116 | |
| PacificSource | Navigator Silver 3600 | Silver | POS | $604 | $3,600 | $10,600 | $17,848 | |
| SelectHealth | BrightPath Silver 4000 - $0 Copay for PCP visits | Silver | PPO | $608 | $4,000 | $9,900 | $17,197 | |
| Moda Health | Moda Select Idaho Gold 2200 + Vision Exam | Gold | POS | $608 | $2,200 | $7,600 | $14,900 | |
| SelectHealth | BrightPath Silver Copay Plan | Silver | PPO | $630 | $0 | $9,900 | $17,455 | |
| Moda Health | Moda Select Idaho Gold 1100 + Vision Exam | Gold | POS | $631 | $1,100 | $8,000 | $15,572 | |
| Mountain Health CO-OP | PEAK PPO SILVER | Silver | POS | $648 | $8,000 | $9,500 | $17,270 | |
| Mountain Health CO-OP | PEAK PPO GOLD | Gold | POS | $711 | $1,500 | $7,000 | $15,531 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $355 | $411 | $478 | 18 | $8,000 | $9,925 | $14,798 |
| Silver | $481 | $561 | $648 | 20 | $4,500 | $9,200 | $15,901 |
| Gold | $524 | $600 | $711 | 8 | $1,750 | $8,600 | $15,992 |
| CatastrophicUnder 30 or hardship exemption only | $300 | $301 | $311 | 3 | $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.