Idaho · ACA Marketplace plans
ACA Marketplace plans in Idaho
Looking for ACA marketplace health insurance in Idaho? Here is how this coverage lane works specifically for Idaho residents, what it costs, and how to get it.
Facts on this page checked Jan 15, 2026. Sources are listed at the end.
How it works here
ACA Marketplace plans, explained for Idaho.
Idaho residents buy ACA Marketplace plans through Your Health Idaho. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.
Because Idaho runs a state-based marketplace, you enroll at Your Health Idaho. Plans and prices are set at the county level across Idaho's 44 counties, so two neighbors in different counties can see different options.
Idaho expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.
Idaho runs a state-based marketplace (Your Health Idaho). Residents should enroll through Your Health Idaho, and plan menus are set at the county level across 44 counties.
Because Idaho expanded Medicaid, a marketplace application may route lower-income adults to Medicaid instead of a subsidized private plan — that is usually good news for cost.
With an approximate uninsured rate near 8.7% and a population of about 1.9 million, Idaho shoppers should re-check subsidies each year as income and household size change.
Idaho facts
- Marketplace
- Your Health Idaho
- Medicaid expansion
- Adopted
- Uninsured rate
- ~8.7%
Open enrollment 2027
When Idaho can enroll.
- Opens
- Oct 15, 2026
- Thu
- Enroll by, for Jan 1 coverage
- Dec 15, 2026
- Tue
- Last day to enroll
- Dec 15, 2026
- Tue
Idaho runs its own exchange. These dates come from a secondary source (healthinsurance.org, Aug 2026). Confirm with Your Health Idaho before you rely on a date. Outside this window, a qualifying life event (a move, a new baby, losing other coverage) can open a Special Enrollment Period.
Medicare is different.Medicare’s annual enrollment runs Oct 15 to Dec 7, 2026. For Medicare help, visit our sister site OLYRON Medicare or Medicare.gov.
Dates checked Oct 15, 2026. Sources: HealthCare.gov: dates and deadlines; CMS statement, Jul 27, 2026.
More in this state
Other coverage in Idaho.
- Health sharingMember-funded medical cost sharing — not insurance.
- Short-term plansTemporary coverage to bridge a gap — limited benefits.
- MedicareOriginal Medicare, Advantage, and Medigap for 65+ and eligible.
- MedicaidFree or low-cost coverage based on income and household.
- DentalStandalone and bundled dental coverage options.
- VisionEye exams, glasses, and contacts coverage.
- TelehealthVirtual primary and urgent care memberships.
Questions
Good questions, short answers.
When is Open Enrollment in Idaho?
Idaho runs its own exchange, Your Health Idaho. Open Enrollment for 2027 coverage runs Oct 15, 2026 to Dec 15, 2026, according to a secondary source; confirm the dates with Your Health Idaho. A qualifying life event (a move, a new baby, losing other coverage) opens a Special Enrollment Period at other times of year.
Are Idaho Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in Idaho?
Idaho uses Your Health Idaho, its state-based marketplace — not HealthCare.gov — for enrollment and most subsidy screening.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- CMS Center for Consumer Information & Insurance Oversight (marketplace types) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
Before the rush
Ready to see plans in Idaho?
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