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Cheap Health Insurance in Idaho

Residents of Idaho have many options for affordable health insurance. But the coverage that you have opted for may have out-of-pocket expenses and other costs. Wouldn’t it be nice if you can the biggest bang for your health insurance buck? We tell you how.
Cheap Health Insurance in Idaho
There are many factors that one must consider before signing up for a health insurance plan. Here’s a quick look at cheap health insurance in Idaho.
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Residents of Idaho have many options for affordable health insurance. But the coverage that you have opted for may have out-of-pocket expenses and costs vary based on the tier. Unsurprisingly, there are many factors that one must consider before signing up for a plan here. Here’s a quick look at cheap health insurance in Idaho.

Cheap Health Insurance in Idaho 

Let’s take a look at the top health insurance providers in Idaho. 

Beem

Beem isn’t an insurance company but a platform for all things insurance. You can enroll with it and compare plans from various insurers. It’s a valuable tool to simplify your research.

FeatureDetails
ProsHelps compare plans from various insurers.
ConsDoesn’t offer its own plans, may not show all available options.
Monthly CostN/A (Assists with finding plans)
Out-of-Pocket CostsN/A (Varies by plan)
DeductibleN/A (Varies by plan)

Regence BlueShield of Idaho

A trusted name in health insurance, it offers a large network of providers throughout the state. This network flexibility might be important if you prioritize choice when selecting doctors and hospitals. However, these broader networks can sometimes translate to higher monthly premiums.

FeatureDetails
ProsLarge network of doctors and hospitals in Idaho.
ConsMay be more expensive than some competitors.
Monthly CostsDepends on plan, age, and location. Expect a range of $200-$600+ per month.
Out-of-Pocket CostsVaries by plan, typically includes deductible, copay, and coinsurance
DeductibleVaries by plan, amount you pay before insurance kicks in

Mountain Health CO-OP

This member-owned cooperative focuses on providing affordable health insurance plans in Idaho. They emphasize community involvement and may offer competitive rates, particularly if you’re looking for a cost-effective option. However, their network of providers might be smaller compared to some national insurers.

FeatureDetails
ProsNon-profit, member-owned cooperative, potentially lower costs.
ConsNetwork may be smaller than some for-profit insurers.
Monthly CostVaries depending on plan, age, and location. May be more affordable than some commercial plans, potentially in the range of $100-$400+ per month
Out-of-Pocket CostsVaries by plan, typically includes deductible, copay, and coinsurance.
DeductibleVaries by plan, amount you pay before insurance kicks in.

Moda Health

Moda Health boasts a large network of providers in certain areas of Idaho. They offer a variety of plan options, including HMO, PPO, and Medicare Advantage plans, catering to different needs and budgets. However, customer reviews for Moda Health can vary, and some plans might have higher out-of-pocket costs depending on the specifics.

FeatureDetails
ProsLarge network of providers in some areas of Idaho.
Offers a variety of plan options including HMO, PPO, and Medicare Advantage plans.
ConsCustomer service reviews can vary.
May have higher out-of-pocket costs for certain plans
Monthly CostVaries with age, location, plan type.
To get an accurate quote, visit Moda Health’s website or contact a licensed agent.
Out-Of-Pocket CostsDepends on plan.
Typically includes deductible, copay, and coinsurance.
DeductibleVaries with plan.
Amount you pay before insurance kicks in.

PacificSource Health Plans

With a focus on serving the Pacific Northwest, including Idaho, PacificSource might offer competitive rates in some areas. However, their provider network might be limited compared to its national peers.

FeatureDetails
ProsFocuses on plans for residents of the Pacific Northwest, including Idaho.
May offer competitive rates in some areas.
ConsNetwork may be limited compared to national insurers.
Monthly CostVaries with age, location and plan type. To get an accurate quote, visit PacificSource Health Plans’ website or contact a licensed agent.
Out-Of-Pocket CostsDepends on plan. Typically includes deductible, copay, and coinsurance.
DeductibleVaries with plan. Amount you pay before insurance kicks in.

Conclusion

Your health determines how much you pay for your insurance. You must opt for a plan with a large deductible and a lower monthly premium if you don’t need much medical care. The deductibles can mount if you consult a doctor or a specialist frequently or if you require prescription drugs on a regular basis. Plans with low deductibles but high monthly premiums can keep your out-of-pocket costs under control in such situations. When you’re looking for the best insurance in Idaho, the marketplace Beem is a great choice.

Read Related Article: Cheap health insurance in Massachusetts.

FAQs

Who offers the lowest health insurance rates in Idaho?

In Boise, where more than 25% of Idado’s residents reside, the most affordable Silver plan is the Moda Select Silver 6400, which also includes a vision test benefit. Idaho has seen lower health insurance costs than many other states over the past two years, which makes it simpler to locate affordable health insurance.

How to get free health insurance  in Idaho?

Medicaid offers free or low-cost healthcare coverage for adults who have a variety of health requirements. Children with a range of healthcare issues who fulfill specific qualifying requirements can receive Medicaid health coverage.

Which plan has low deductibles and out-of-pockets in Idaho?

Although bronze plans typically have the lowest monthly premiums, you will have to pay the largest amount out of cash for medical services. Although monthly premiums for gold plans are greater, you will usually have to spend less out of pocket for medical treatments. Moderate out-of-pocket expenses and premiums are provided by silver plans.

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Author

Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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