Health insurance prices in Kootenai County, ID (2026)
55 marketplace plans from 7 insurers. Cheapest plan $358/mo; typical Silver $531/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 1.
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 $358–$478 (typical $414) · Silver $485–$648 (typical $531) · Gold $504–$712 (typical $542) · Catastrophic $283–$300 (typical $291)
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 |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 13 | $485 Silver | no Bronze | $491 | $520 | Molina Silver Saver with Four Free PCP Visits | |
| Regence BlueCross BlueShield (ID)Cambia Health (Blue Cross Blue Shield company) | 7 | $358 | $370 | $493 | $537 | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS | |
| Blue Cross of IdahoIndependent Blue Cross Blue Shield company | 8 | $358 | $360 | $501 | $542 | Hometown North Bronze 8000 | |
| PacificSource | 6 | $410 | $419 | $567 | $583 | Navigator Bronze HSA 8300 | |
| Moda Health | 8 | $395 | $399 | $586 | $620 | Moda Select Idaho Bronze 10,000 + Vision Exam | |
| SelectHealthIntermountain Health | 8 | $437 | $444 | $593 | $587 | BrightPath Exp Bronze 5000 | |
| Mountain Health CO-OP | 5 | $470 | $474 | $648 | $712 | PEAK PPO BRONZE |
All 55 plans in Kootenai County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross of Idaho | Hometown North Catastrophic 10600 | Catastrophic | POS | $283 | $10,600 | $10,600 | $13,994 | |
| Mountain Health CO-OP | PEAK PPO CATASTROPHIC | Catastrophic | POS | $300 | $10,600 | $10,600 | $14,199 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS | Expanded Bronze | POS | $358 | $9,000 | $10,600 | $14,893 | |
| Blue Cross of Idaho | Hometown North Bronze 8000 | Expanded Bronze | POS | $358 | $8,000 | $10,600 | $14,897 | |
| Blue Cross of Idaho | Hometown North Bronze HSA 6250 | Expanded Bronze | POS | $361 | $6,250 | $7,500 | $11,835 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze 8000 POS | Expanded Bronze | POS | $370 | $8,000 | $10,600 | $15,040 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze HSA 7000 POS | Expanded Bronze | POS | $394 | $7,000 | $8,300 | $13,026 | |
| Moda Health | Moda Select Idaho Bronze 10,000 + Vision Exam | Expanded Bronze | POS | $395 | $10,000 | $10,000 | $14,736 | |
| 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 | $410 | $8,300 | $8,300 | $13,220 | |
| PacificSource | Navigator Bronze HSA 10600 | Expanded Bronze | POS | $419 | $10,600 | $10,600 | $15,628 | |
| Moda Health | Moda Select Idaho Bronze HDHP 7500 | Expanded Bronze | POS | $430 | $7,500 | $7,500 | $12,659 | |
| SelectHealth | BrightPath Exp Bronze 5000 | Expanded Bronze | PPO | $437 | $5,000 | $9,950 | $15,194 | |
| PacificSource | Navigator Bronze HSA 6000 | Expanded Bronze | POS | $443 | $6,000 | $10,600 | $15,916 | |
| SelectHealth | BrightPath Exp Bronze 8600 | Expanded Bronze | PPO | $444 | $8,600 | $8,600 | $13,931 | |
| SelectHealth | BrightPath Exp Bronze 7000 - no deductible for office visits | Expanded Bronze | PPO | $450 | $7,000 | $9,900 | $15,301 | |
| Mountain Health CO-OP | PEAK PPO BRONZE | Expanded Bronze | POS | $470 | $9,000 | $10,500 | $16,134 | |
| Mountain Health CO-OP | PEAK PPO BRONZE HDHP | Expanded Bronze | POS | $478 | $8,400 | $8,400 | $14,140 | |
| Molina Healthcare | Molina Silver Saver with Four Free PCP Visits | Silver | HMO | $485 | $7,000 | $10,150 | $15,966 | |
| Regence BlueCross BlueShield (ID) | ICON Silver 6500 POS | Silver | POS | $485 | $6,500 | $10,150 | $15,969 | |
| Blue Cross of Idaho | Hometown North Silver 7100 | Silver | POS | $485 | $7,100 | $8,850 | $14,672 | |
| Molina Healthcare | Molina Silver Core | Silver | HMO | $488 | $6,000 | $8,990 | $14,850 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Vision | Silver | HMO | $493 | $6,000 | $8,990 | $14,903 | |
| Blue Cross of Idaho | Hometown North Silver 5500 | Silver | POS | $501 | $5,500 | $9,200 | $15,213 | |
| Blue Cross of Idaho | Hometown North Silver 4000 | Silver | POS | $501 | $4,000 | $9,200 | $15,214 | |
| Regence BlueCross BlueShield (ID) | ICON Silver 5700 Separate RX Deductible POS | Silver | POS | $502 | $5,700 | $10,150 | $16,171 | |
| Molina Healthcare | Molina Gold Value | Gold | HMO | $504 | $2,250 | $8,000 | $14,043 | |
| Blue Cross of Idaho | Hometown North Silver Copay 3200 | Silver | POS | $506 | $3,200 | $9,200 | $15,267 | |
| Molina Healthcare | Molina Gold Value Plus with Adult Vision | Gold | HMO | $508 | $2,250 | $8,000 | $14,096 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Dental and Vision | Silver | HMO | $515 | $6,000 | $8,990 | $15,165 | |
| Molina Healthcare | Molina Gold Enhanced 895 | Gold | HMO | $516 | $895 | $8,700 | $14,889 | |
| Molina Healthcare | Molina Gold Core 1640 | Gold | HMO | $516 | $1,640 | $8,100 | $14,294 | |
| Molina Healthcare | Molina Gold Enhanced 895 Plus with Adult Vision | Gold | HMO | $520 | $895 | $8,700 | $14,942 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Vision | Gold | HMO | $521 | $1,640 | $8,100 | $14,347 | |
| Regence BlueCross BlueShield (ID) | ICON Gold 2300 POS | Gold | POS | $528 | $2,300 | $10,150 | $16,490 | |
| Molina Healthcare | Molina Gold Value Plus with Adult Dental and Vision | Gold | HMO | $530 | $2,250 | $8,000 | $14,357 | |
| Molina Healthcare | Molina Gold Enhanced 895 Plus with Adult Dental and Vision | Gold | HMO | $542 | $895 | $8,700 | $15,203 | |
| Blue Cross of Idaho | Hometown North Gold 2000 | Gold | POS | $542 | $2,000 | $8,000 | $14,505 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Dental and Vision | Gold | HMO | $542 | $1,640 | $8,100 | $14,608 | |
| Regence BlueCross BlueShield (ID) | ICON Gold 1500 POS | Gold | POS | $546 | $1,500 | $10,150 | $16,707 | |
| PacificSource | Navigator Silver 6000 | Silver | POS | $548 | $6,000 | $9,300 | $15,876 | |
| SelectHealth | BrightPath Silver 3000 | Silver | PPO | $563 | $3,000 | $9,900 | $16,656 | |
| Moda Health | Moda Select Idaho Silver 6400 + Vision Exam | Silver | POS | $577 | $6,400 | $7,400 | $14,320 | |
| PacificSource | Navigator Gold 2000 | Gold | POS | $583 | $2,000 | $9,200 | $16,196 | |
| Moda Health | Moda Select Idaho Silver 4000 + Vision Exam | Silver | POS | $586 | $4,000 | $8,900 | $15,927 | |
| PacificSource | Navigator Silver 3600 | Silver | POS | $586 | $3,600 | $10,600 | $17,632 | |
| SelectHealth | BrightPath Gold 1000 - no deductible for office visits | Gold | PPO | $587 | $1,000 | $9,900 | $16,945 | |
| SelectHealth | BrightPath Silver 5000 - no deductible for office visits | Silver | PPO | $589 | $5,000 | $9,900 | $16,971 | |
| SelectHealth | BrightPath Silver 4000 - $0 Copay for PCP visits | Silver | PPO | $596 | $4,000 | $9,900 | $17,049 | |
| Moda Health | Moda Select Idaho Silver 3000 + Vision Exam | Silver | POS | $596 | $3,000 | $8,500 | $15,653 | |
| 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 | $617 | $0 | $9,900 | $17,303 | |
| 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 | $17,278 | |
| Mountain Health CO-OP | PEAK PPO GOLD | Gold | POS | $712 | $1,500 | $7,000 | $15,539 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $358 | $414 | $478 | 16 | $8,150 | $9,925 | $14,815 |
| Silver | $485 | $531 | $648 | 20 | $5,600 | $9,250 | $15,902 |
| Gold | $504 | $542 | $712 | 17 | $1,640 | $8,100 | $14,900 |
| CatastrophicUnder 30 or hardship exemption only | $283 | $291 | $300 | 2 | $10,600 | $10,600 | $14,096 |
* 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.