Health insurance prices in Gem County, ID (2026)
76 marketplace plans from 7 insurers. Cheapest plan $331/mo; typical Silver $523/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 3.
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 $331–$439 (typical $377) · Silver $483–$580 (typical $523) · Gold $510–$577 (typical $544) · Platinum $649–$649 (typical $649) · Catastrophic $214–$307 (typical $295)
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 |
|---|---|---|---|---|---|---|---|
| Moda Health | 8 | $331 | $334 | $491 | $519 | Moda Select Idaho Bronze 10,000 + Vision Exam | |
| Mountain Health CO-OP | 11 | $347 | $353 | $503 | $545 | LINK BRONZE | |
| Regence BlueCross BlueShield (ID)Cambia Health (Blue Cross Blue Shield company) | 7 | $369 | $381 | $508 | $554 | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS | |
| St. Luke's Health Plan | 4 | $349 | $356 | $515 | $536 | St Luke's Health Plan Expanded Bronze | |
| SelectHealthIntermountain Health | 18 | $349 | $380 | $525 | $529 | Select Health SAHA Bronze 8000 | |
| Blue Cross of IdahoIndependent Blue Cross Blue Shield company | 22 | $373 | $387 | $533 | $565 | IDID Southwest Bronze 8000 | |
| PacificSource | 6 | $406 | $415 | $562 | $577 | Navigator Bronze HSA 8300 |
All 76 plans in Gem County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Mountain Health CO-OP | ACCESS CATASTROPHIC | Catastrophic | POS | $214 | $10,600 | $10,600 | $13,163 | |
| Mountain Health CO-OP | LINK CATASTROPHIC | Catastrophic | POS | $256 | $10,600 | $10,600 | $13,670 | |
| Blue Cross of Idaho | IDID Southwest Catastrophic 10600 | Catastrophic | POS | $295 | $10,600 | $10,600 | $14,140 | |
| Blue Cross of Idaho | SLHP Catastrophic CarePoint 10600 | Catastrophic | POS | $304 | $10,600 | $10,600 | $14,250 | |
| Blue Cross of Idaho | Hometown Southwest Catastrophic 10600 | Catastrophic | POS | $307 | $10,600 | $10,600 | $14,282 | |
| Moda Health | Moda Select Idaho Bronze 10,000 + Vision Exam | Expanded Bronze | POS | $331 | $10,000 | $10,000 | $13,967 | |
| Moda Health | Moda Select Idaho Bronze 9200 + Vision Exam | Expanded Bronze | POS | $334 | $9,200 | $9,500 | $13,507 | |
| Mountain Health CO-OP | LINK BRONZE | Expanded Bronze | POS | $347 | $10,600 | $10,600 | $14,761 | |
| St. Luke's Health Plan | St Luke's Health Plan Expanded Bronze | Expanded Bronze | POS | $349 | $7,750 | $10,150 | $14,337 | |
| SelectHealth | Select Health SAHA Bronze 8000 | Bronze | PPO | $349 | $8,000 | $10,150 | $14,344 | |
| Mountain Health CO-OP | ACCESS BRONZE | Expanded Bronze | POS | $352 | $9,000 | $10,500 | $14,720 | |
| Mountain Health CO-OP | LINK BRONZE HDHP | Expanded Bronze | POS | $355 | $8,400 | $8,400 | $12,656 | |
| Mountain Health CO-OP | ACCESS BRONZE HDHP | Expanded Bronze | POS | $358 | $8,400 | $8,400 | $12,700 | |
| Moda Health | Moda Select Idaho Bronze HDHP 7500 | Expanded Bronze | POS | $360 | $7,500 | $7,500 | $11,821 | |
| St. Luke's Health Plan | St Luke's Health Plan Expanded Bronze HDHP | Expanded Bronze | POS | $362 | $7,500 | $8,000 | $12,346 | |
| SelectHealth | Select Health SLHP Bronze 8000 | Bronze | PPO | $363 | $8,000 | $10,150 | $14,501 | |
| SelectHealth | Select Health SAHA Exp Bronze 9950 - no deductible for office visits | Expanded Bronze | PPO | $367 | $9,950 | $9,950 | $14,356 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS | Expanded Bronze | POS | $369 | $9,000 | $10,600 | $15,022 | |
| Blue Cross of Idaho | IDID Southwest Bronze 8000 | Expanded Bronze | POS | $373 | $8,000 | $10,600 | $15,081 | |
| Blue Cross of Idaho | IDID Southwest Bronze HSA 6250 | Expanded Bronze | POS | $377 | $6,250 | $7,500 | $12,021 | |
| SelectHealth | Select Health SAHA Exp Bronze 7000 - no deductible for PCP visits | Expanded Bronze | PPO | $379 | $7,000 | $9,900 | $14,450 | |
| SelectHealth | Select Health SLHP Exp Bronze 8600 | Expanded Bronze | PPO | $380 | $8,600 | $8,600 | $13,164 | |
| SelectHealth | Select Health SLHP Exp Bronze 9950 - no deductible for office visits | Expanded Bronze | PPO | $381 | $9,950 | $9,950 | $14,521 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze 8000 POS | Expanded Bronze | POS | $381 | $8,000 | $10,600 | $15,174 | |
| Blue Cross of Idaho | SLHP Bronze CarePoint 8000 | Expanded Bronze | POS | $385 | $8,000 | $10,600 | $15,221 | |
| Blue Cross of Idaho | Hometown Southwest Bronze 8000 | Expanded Bronze | POS | $388 | $8,000 | $10,600 | $15,261 | |
| Blue Cross of Idaho | SLHP Bronze HSA CarePoint 6250 | Expanded Bronze | POS | $388 | $6,250 | $7,500 | $12,162 | |
| Blue Cross of Idaho | Hometown Southwest Bronze HSA 6250 | Expanded Bronze | POS | $392 | $6,250 | $7,500 | $12,202 | |
| SelectHealth | Select Health SLHP Exp Bronze 7000 - no deductible for PCP visits | Expanded Bronze | PPO | $393 | $7,000 | $9,900 | $14,621 | |
| SelectHealth | Select Health SLHP Exp Bronze 5000 | Expanded Bronze | PPO | $396 | $5,000 | $9,950 | $14,702 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze HSA 7000 POS | Expanded Bronze | POS | $406 | $7,000 | $8,300 | $13,168 | |
| PacificSource | Navigator Bronze HSA 8300 | Expanded Bronze | POS | $406 | $8,300 | $8,300 | $13,172 | |
| PacificSource | Navigator Bronze HSA 10600 | Expanded Bronze | POS | $415 | $10,600 | $10,600 | $15,580 | |
| PacificSource | Navigator Bronze HSA 6000 | Expanded Bronze | POS | $439 | $6,000 | $10,600 | $15,868 | |
| Moda Health | Moda Select Idaho Silver 6400 + Vision Exam | Silver | POS | $483 | $6,400 | $7,400 | $13,196 | |
| SelectHealth | Select Health SAHA Silver 3000 | Silver | PPO | $488 | $3,000 | $9,900 | $15,762 | |
| Moda Health | Moda Select Idaho Silver 4000 + Vision Exam | Silver | POS | $491 | $4,000 | $8,900 | $14,786 | |
| Mountain Health CO-OP | LINK SILVER | Silver | POS | $497 | $8,000 | $10,500 | $16,463 | |
| Moda Health | Moda Select Idaho Silver 3000 + Vision Exam | Silver | POS | $499 | $3,000 | $8,500 | $14,491 | |
| Regence BlueCross BlueShield (ID) | ICON Silver 6500 POS | Silver | POS | $500 | $6,500 | $10,150 | $16,145 | |
| Blue Cross of Idaho | IDID Southwest Silver 7100 | Silver | POS | $506 | $7,100 | $8,850 | $14,922 | |
| SelectHealth | Select Health SLHP Silver 3000 | Silver | PPO | $507 | $3,000 | $9,900 | $15,982 | |
| Moda Health | Moda Select Idaho Gold 2200 + Vision Exam | Gold | POS | $510 | $2,200 | $7,600 | $13,714 | |
| Mountain Health CO-OP | ACCESS SILVER | Silver | POS | $510 | $8,000 | $9,500 | $15,616 | |
| SelectHealth | Select Health SAHA Silver 5000 - no deductible for office visits | Silver | PPO | $513 | $5,000 | $9,900 | $16,058 | |
| St. Luke's Health Plan | St Luke's Health Plan Silver | Silver | POS | $515 | $5,800 | $8,750 | $14,930 | |
| SelectHealth | Select Health SAHA Silver 4000 - $0 copay for PCP visits | Silver | PPO | $516 | $4,000 | $9,900 | $16,088 | |
| SelectHealth | Select Health SAHA Gold 1000 - no deductible for office visits | Gold | PPO | $516 | $1,000 | $9,900 | $16,095 | |
| Regence BlueCross BlueShield (ID) | ICON Silver 5700 Separate RX Deductible POS | Silver | POS | $517 | $5,700 | $10,150 | $16,352 | |
| Blue Cross of Idaho | SLHP Silver CarePoint 7100 | Silver | POS | $522 | $7,100 | $8,850 | $15,111 | |
| Blue Cross of Idaho | IDID Southwest Silver 5500 | Silver | POS | $523 | $5,500 | $9,200 | $15,472 | |
| Blue Cross of Idaho | IDID Southwest Silver 4000 | Silver | POS | $523 | $4,000 | $9,200 | $15,472 | |
| Blue Cross of Idaho | Hometown Southwest Silver 7100 | Silver | POS | $526 | $7,100 | $8,850 | $15,165 | |
| Blue Cross of Idaho | IDID Southwest Silver Copay 3200 | Silver | POS | $527 | $3,200 | $9,200 | $15,528 | |
| Moda Health | Moda Select Idaho Gold 1100 + Vision Exam | Gold | POS | $529 | $1,100 | $8,000 | $14,342 | |
| SelectHealth | Select Health SAHA Silver Copay Plan | Silver | PPO | $535 | $0 | $9,900 | $16,323 | |
| St. Luke's Health Plan | St Luke's Health Plan Gold | Gold | POS | $536 | $1,800 | $7,200 | $13,628 | |
| SelectHealth | Select Health SLHP Silver 5000 - no deductible for office visits | Silver | PPO | $536 | $5,000 | $9,900 | $16,336 | |
| Blue Cross of Idaho | SLHP Silver CarePoint 5500 | Silver | POS | $539 | $5,500 | $9,200 | $15,667 | |
| Blue Cross of Idaho | SLHP Silver CarePoint 4000 | Silver | POS | $539 | $4,000 | $9,200 | $15,667 | |
| SelectHealth | Select Health SLHP Silver 4000 - $0 copay for PCP visits | Silver | PPO | $542 | $4,000 | $9,900 | $16,399 | |
| SelectHealth | Select Health SLHP Gold 1500 - no deductible for office visits | Gold | PPO | $542 | $1,500 | $9,000 | $15,507 | |
| PacificSource | Navigator Silver 6000 | Silver | POS | $543 | $6,000 | $9,300 | $15,816 | |
| Blue Cross of Idaho | Hometown Southwest Silver 5500 | Silver | POS | $544 | $5,500 | $9,200 | $15,723 | |
| Blue Cross of Idaho | Hometown Southwest Silver 4000 | Silver | POS | $544 | $4,000 | $9,200 | $15,724 | |
| Blue Cross of Idaho | SLHP Silver Copay CarePoint 3200 | Silver | POS | $544 | $3,200 | $9,200 | $15,725 | |
| Mountain Health CO-OP | LINK GOLD | Gold | POS | $544 | $2,000 | $8,000 | $14,527 | |
| Regence BlueCross BlueShield (ID) | ICON Gold 2300 POS | Gold | POS | $544 | $2,300 | $10,150 | $16,681 | |
| Mountain Health CO-OP | ACCESS GOLD | Gold | POS | $547 | $1,500 | $7,000 | $13,561 | |
| Blue Cross of Idaho | Hometown Southwest Silver Copay 3200 | Silver | POS | $548 | $3,200 | $9,200 | $15,782 | |
| SelectHealth | Select Health SLHP Silver Copay Plan | Silver | PPO | $555 | $0 | $9,900 | $16,564 | |
| Regence BlueCross BlueShield (ID) | ICON Gold 1500 POS | Gold | POS | $563 | $1,500 | $10,150 | $16,905 | |
| Blue Cross of Idaho | IDID Southwest Gold 2000 | Gold | POS | $565 | $2,000 | $8,000 | $14,785 | |
| PacificSource | Navigator Gold 2000 | Gold | POS | $577 | $2,000 | $9,200 | $16,124 | |
| PacificSource | Navigator Silver 3600 | Silver | POS | $580 | $3,600 | $10,600 | $17,560 | |
| Mountain Health CO-OP | LINK PLATINUM | Platinum | POS | $649 | $500 | $1,500 | $9,289 |
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 | $377 | $439 | 29 | $8,000 | $9,950 | $14,356 |
| Silver | $483 | $523 | $580 | 30 | $4,500 | $9,200 | $15,724 |
| Gold | $510 | $544 | $577 | 11 | $1,800 | $8,000 | $14,785 |
| Platinum | $649 | $649 | $649 | 1 | $500 | $1,500 | $9,289 |
| CatastrophicUnder 30 or hardship exemption only | $214 | $295 | $307 | 5 | $10,600 | $10,600 | $14,140 |
* 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.