Health insurance prices in Madison County, ID (2026)
59 marketplace plans from 6 insurers. Cheapest plan $364/mo; typical Silver $552/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 4.
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 $364–$481 (typical $407) · Silver $494–$651 (typical $552) · Gold $541–$715 (typical $601) · Catastrophic $288–$301 (typical $296)
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 | $366 | $379 | $505 | $550 | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS | |
| Blue Cross of IdahoIndependent Blue Cross Blue Shield company | 15 | $364 | $371 | $512 | $567 | MVN East Bronze Connect 8000 | |
| SelectHealthIntermountain Health | 18 | $387 | $417 | $583 | $582 | Select Health Med Bronze 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 | |
| Mountain Health CO-OP | 5 | $472 | $476 | $651 | $715 | PEAK PPO BRONZE |
All 59 plans in Madison County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross of Idaho | MVN East Catastrophic Connect 10600 | Catastrophic | POS | $288 | $10,600 | $10,600 | $14,055 | |
| Blue Cross of Idaho | Hometown East Catastrophic 10600 | Catastrophic | POS | $296 | $10,600 | $10,600 | $14,149 | |
| Mountain Health CO-OP | PEAK PPO CATASTROPHIC | Catastrophic | POS | $301 | $10,600 | $10,600 | $14,216 | |
| Blue Cross of Idaho | MVN East Bronze Connect 8000 | Expanded Bronze | POS | $364 | $8,000 | $10,600 | $14,974 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS | Expanded Bronze | POS | $366 | $9,000 | $10,600 | $14,997 | |
| Blue Cross of Idaho | MVN East Bronze Connect HSA 6250 | Expanded Bronze | POS | $368 | $6,250 | $7,500 | $11,913 | |
| Blue Cross of Idaho | Hometown East Bronze 8000 | Expanded Bronze | POS | $374 | $8,000 | $10,600 | $15,093 | |
| Blue Cross of Idaho | Hometown East Bronze HSA 6250 | Expanded Bronze | POS | $378 | $6,250 | $7,500 | $12,033 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze 8000 POS | Expanded Bronze | POS | $379 | $8,000 | $10,600 | $15,148 | |
| SelectHealth | Select Health Med Bronze 8000 | Bronze | PPO | $387 | $8,000 | $10,150 | $14,791 | |
| 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 | |
| Regence BlueCross BlueShield (ID) | ICON Bronze HSA 7000 POS | Expanded Bronze | POS | $403 | $7,000 | $8,300 | $13,141 | |
| SelectHealth | Select Health Med Exp Bronze 9950 - no deductible for office visits | Expanded Bronze | PPO | $406 | $9,950 | $9,950 | $14,826 | |
| SelectHealth | Select Health Med Exp Bronze 5000 | Expanded Bronze | PPO | $407 | $5,000 | $9,950 | $14,839 | |
| SelectHealth | Select Health Med Exp Bronze 8600 | Expanded Bronze | PPO | $414 | $8,600 | $8,600 | $13,570 | |
| SelectHealth | Select Health Med Exp Bronze 7000 - no deductible for office visits | Expanded Bronze | PPO | $420 | $7,000 | $9,900 | $14,935 | |
| 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 | |
| PacificSource | Navigator Bronze HSA 6000 | Expanded Bronze | POS | $457 | $6,000 | $10,600 | $16,084 | |
| SelectHealth | BrightPath Exp Bronze 5000 | Expanded Bronze | PPO | $458 | $5,000 | $9,950 | $15,451 | |
| SelectHealth | BrightPath Exp Bronze 8600 | Expanded Bronze | PPO | $466 | $8,600 | $8,600 | $14,193 | |
| Mountain Health CO-OP | PEAK PPO BRONZE | Expanded Bronze | POS | $472 | $9,000 | $10,500 | $16,161 | |
| SelectHealth | BrightPath Exp Bronze 7000 - no deductible for office visits | Expanded Bronze | PPO | $472 | $7,000 | $9,900 | $15,566 | |
| Mountain Health CO-OP | PEAK PPO BRONZE HDHP | Expanded Bronze | POS | $481 | $8,400 | $8,400 | $14,167 | |
| Blue Cross of Idaho | MVN East Silver Connect 7100 | Silver | POS | $494 | $7,100 | $8,850 | $14,776 | |
| Regence BlueCross BlueShield (ID) | ICON Silver 6500 POS | Silver | POS | $497 | $6,500 | $10,150 | $16,111 | |
| Blue Cross of Idaho | Hometown East Silver 7100 | Silver | POS | $507 | $7,100 | $8,850 | $14,938 | |
| Blue Cross of Idaho | MVN East Silver Connect 5500 | Silver | POS | $510 | $5,500 | $9,200 | $15,322 | |
| Blue Cross of Idaho | MVN East Silver Connect 4000 | Silver | POS | $510 | $4,000 | $9,200 | $15,322 | |
| Regence BlueCross BlueShield (ID) | ICON Silver 5700 Separate RX Deductible POS | Silver | POS | $514 | $5,700 | $10,150 | $16,317 | |
| Blue Cross of Idaho | MVN East Silver Copay Connect 3200 | Silver | POS | $515 | $3,200 | $9,200 | $15,377 | |
| Blue Cross of Idaho | Hometown East Silver 5500 | Silver | POS | $524 | $5,500 | $9,200 | $15,488 | |
| Blue Cross of Idaho | Hometown East Silver 4000 | Silver | POS | $524 | $4,000 | $9,200 | $15,489 | |
| SelectHealth | Select Health Med Silver 3000 | Silver | PPO | $525 | $3,000 | $9,900 | $16,198 | |
| Blue Cross of Idaho | Hometown East Silver Copay 3200 | Silver | POS | $529 | $3,200 | $9,200 | $15,545 | |
| Regence BlueCross BlueShield (ID) | ICON Gold 2300 POS | Gold | POS | $541 | $2,300 | $10,150 | $16,644 | |
| SelectHealth | Select Health Med Gold 1000 - no deductible for office visits | Gold | PPO | $547 | $1,000 | $9,900 | $16,467 | |
| SelectHealth | Select Health Med Silver 5000 - no deductible for office visits | Silver | PPO | $549 | $5,000 | $9,900 | $16,491 | |
| SelectHealth | Select Health Med Silver 4000 - $0 Copay for PCP visits | Silver | PPO | $555 | $4,000 | $9,900 | $16,565 | |
| Regence BlueCross BlueShield (ID) | ICON Gold 1500 POS | Gold | POS | $560 | $1,500 | $10,150 | $16,866 | |
| PacificSource | Navigator Silver 6000 | Silver | POS | $565 | $6,000 | $9,300 | $16,080 | |
| Blue Cross of Idaho | Hometown East Gold 2000 | Gold | POS | $567 | $2,000 | $8,000 | $14,803 | |
| SelectHealth | Select Health Med Silver Copay Plan | Silver | PPO | $575 | $0 | $9,900 | $16,801 | |
| 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 | |
| SelectHealth | BrightPath Silver 3000 | Silver | PPO | $591 | $3,000 | $9,900 | $16,987 | |
| Moda Health | Moda Select Idaho Silver 3000 + Vision Exam | Silver | POS | $596 | $3,000 | $8,500 | $15,653 | |
| PacificSource | Navigator Gold 2000 | Gold | POS | $601 | $2,000 | $9,200 | $16,412 | |
| PacificSource | Navigator Silver 3600 | Silver | POS | $604 | $3,600 | $10,600 | $17,848 | |
| Moda Health | Moda Select Idaho Gold 2200 + Vision Exam | Gold | POS | $608 | $2,200 | $7,600 | $14,900 | |
| SelectHealth | BrightPath Gold 1000 - no deductible for office visits | Gold | PPO | $616 | $1,000 | $9,900 | $17,290 | |
| SelectHealth | BrightPath Silver 5000 - no deductible for office visits | Silver | PPO | $618 | $5,000 | $9,900 | $17,317 | |
| SelectHealth | BrightPath Silver 4000 - $0 Copay for PCP visits | Silver | PPO | $625 | $4,000 | $9,900 | $17,400 | |
| Moda Health | Moda Select Idaho Gold 1100 + Vision Exam | Gold | POS | $631 | $1,100 | $8,000 | $15,572 | |
| SelectHealth | BrightPath Silver Copay Plan | Silver | PPO | $647 | $0 | $9,900 | $17,666 | |
| Mountain Health CO-OP | PEAK PPO SILVER | Silver | POS | $651 | $8,000 | $9,500 | $17,315 | |
| Mountain Health CO-OP | PEAK PPO GOLD | Gold | POS | $715 | $1,500 | $7,000 | $15,579 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $364 | $407 | $481 | 23 | $8,000 | $9,950 | $14,826 |
| Silver | $494 | $552 | $651 | 24 | $4,000 | $9,400 | $16,095 |
| Gold | $541 | $601 | $715 | 9 | $1,500 | $9,200 | $16,412 |
| CatastrophicUnder 30 or hardship exemption only | $288 | $296 | $301 | 3 | $10,600 | $10,600 | $14,149 |
* 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.