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.
| Feature | Details |
| Pros | Helps compare plans from various insurers. |
| Cons | Doesn’t offer its own plans, may not show all available options. |
| Monthly Cost | N/A (Assists with finding plans) |
| Out-of-Pocket Costs | N/A (Varies by plan) |
| Deductible | N/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.
| Feature | Details |
| Pros | Large network of doctors and hospitals in Idaho. |
| Cons | May be more expensive than some competitors. |
| Monthly Costs | Depends on plan, age, and location. Expect a range of $200-$600+ per month. |
| Out-of-Pocket Costs | Varies by plan, typically includes deductible, copay, and coinsurance |
| Deductible | Varies 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.
| Feature | Details |
| Pros | Non-profit, member-owned cooperative, potentially lower costs. |
| Cons | Network may be smaller than some for-profit insurers. |
| Monthly Cost | Varies 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 Costs | Varies by plan, typically includes deductible, copay, and coinsurance. |
| Deductible | Varies 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.
| Feature | Details |
| Pros | Large network of providers in some areas of Idaho. Offers a variety of plan options including HMO, PPO, and Medicare Advantage plans. |
| Cons | Customer service reviews can vary. May have higher out-of-pocket costs for certain plans |
| Monthly Cost | Varies with age, location, plan type. To get an accurate quote, visit Moda Health’s website or contact a licensed agent. |
| Out-Of-Pocket Costs | Depends on plan. Typically includes deductible, copay, and coinsurance. |
| Deductible | Varies 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.
| Feature | Details |
| Pros | Focuses on plans for residents of the Pacific Northwest, including Idaho. May offer competitive rates in some areas. |
| Cons | Network may be limited compared to national insurers. |
| Monthly Cost | Varies with age, location and plan type. To get an accurate quote, visit PacificSource Health Plans’ website or contact a licensed agent. |
| Out-Of-Pocket Costs | Depends on plan. Typically includes deductible, copay, and coinsurance. |
| Deductible | Varies 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.
