Finding Health Coverage In Idaho
Everyone knows that part of staying healthy means staying active and eating right, but what many forget is that health insurance also plays a key role. What people get wrong about health coverage is that they view it as a protection plan in the event of an emergency, meaning they don’t view it as an investment in their overall health. Having health insurance in Idaho gives you access to benefits you may not receive otherwise, such as preventive services and primary care physicians. So, if you live in Idaho, and are looking to get covered, here are your best options.
Idaho Open Enrollment Dates
The Open Enrollment Period in Idaho takes place once every year, and is when the Idaho state marketplace or exchange is open for business. This is the time of year where residents of The Gem State will have the ability to enroll in plans regardless of income level or medical history. While some states chose to create their own Open Enrollment Period, especially those with their own marketplaces, Idaho chose to participate in the federal Open Enrollment Period which runs through the following dates:
- November 1 - January 15
For some, Idaho’s state marketplace will offer the most affordable health insurance plans. The reason being, marketplace plans, sometimes called Obamacare plans, are required to offer comprehensive benefits and at the same time prohibited to deny coverage or raise monthly premiums for anyone living with pre-existing conditions. Idaho’s state marketplace is also the only place where you can apply for government subsidized medical coverage, or premium tax credits for those with low-income.
Idaho Health Insurance Quotes
The Affordable Care Act was passed with good intentions, hoping to provide Americans with access to coverage they can afford. However, if you live in Idaho and don’t qualify for government subsidies, then you may be like the millions of Americans who are finding themselves priced out of the marketplace. If that’s the case, then your best bet would be turning to the private sector to find a plan that fits your needs.
FirstQuote Health specializes in finding you the best health insurance quotes in Idaho. Our free quoting tool and informative pieces help you navigate the often complex world of health insurance, and even compare plans and pricing in your area. You can also speak to an experienced agent with no obligation. All you have to do to get started is enter your zip code, and you can find coverage as soon as today.
Coverage From Idaho’s Best Health Insurance Companies
Not everyone wants to go through the hassle of shopping for a new health insurance plan in Idaho, which is understandable. If you’re already happy with your current coverage, or have an insurance provider in mind, then you can just enroll directly with the company. Some of the best health insurance companies in Idaho include the following:
- Blue Cross of Idaho
- IHC Inc.
- Cambia Health
While all of the options listed above are well established with great reputations, it’s still important to remember to do you research. Everyone’s healthcare needs are different, so just because you enroll with a company who you recognize, doesn’t necessarily mean that you are getting the best coverage for you or your family. A quick search online will pull up tons of reviews from current and past members, or you can read more about the company through FirstQuote Health.
Is Health Insurance Mandatory In Idaho?
No, starting in 2019, residents of Idaho will no longer be required to have health insurance. When the Affordable Care Act passed, it created the individual mandate. This mandate required all Americans to enroll in health coverage of face a penalty come tax season, which was met with swift backlash from the GOP.
When President Trump took office, it came as no surprise that he quickly signed an executive order eliminating the individual mandate beginning in 2019. This was done in an effort to undermine the Affordable Care Act. Although, some states decided to create their own versions of the individual mandate to keep their marketplace alive and well. Idaho was not one of those states.