Boise Idaho Health Insurance Plans & Options
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“By submitting the information above, you are agreeing to be contacted by a Licensed Sales Agent by email or phone call to discuss information about Medicare Insurance Plans. This is a solicitation for insurance.”
Serving Boise all of Idaho & The Treasure Valley
Chris Antrim, CLTC
Idaho Medicare Plans & Boise Health Insurance Specialist
Chris’s career in financial services began over 20 years ago as a financial adviser. Focusing on helping small business owners and families to establish and implement retirement saving-distribution, wealth transfer and asset protection strategies where he won industry and company awards for production and client satisfaction.
After a personal practice he worked with one of the largest brokerage general agencies in the nation. This was a wholesaling role that lasted a large portion of his career. One of the highlights of his career was his position as Regional Vice President for Genworth Life Insurance. Working with national accounts in the Bank and Wire house division he covered a four state territory. At Genworth his primary focus was to help assist and train his advisers through seminars and face to face appointments with the advisers retail clients.
Before joining Genworth he worked with two of the nation’s largest Brokerage General Agencies as an external and internal wholesale partner. In this capacity his primary responsibilities were to act as a resource to both institutional accounts and high end estate planning professionals to design and implement life insurance, long term care and annuity planning techniques for their clients.
Areas of specialization include Health, Medicare, Life, Long Term Care, Annuities, Business, Auto & Home Insurance.
Idaho Health Insurance Options Individual & Group
Find the Best Health insurance company to work with may be confusing. Determining the monthly premiums, deductibles, and coverages.

Choosing your insurance providers might be a lot of work, that is why we’re going, to sum up, some known carriers here in Idaho. To help you in choosing which company you’re going to select when you’re shopping for insurance.
Idaho Health Insurance Companies We Work With
Listed below are some of the carriers that we work with here locally and nationally. Call our office and we can help give you an idea where the right company to look for when it comes to insurance. This will help you support and provide for your healthcare needs and lifestyle. Aside from the company, another thing to consider when applying for insurance is the open enrollment period.
Blue Cross Of Idaho
Blue Cross of Idaho was founded in 1945. With more than 2,400 contracting physicians and hospitals for the healthcare needs of their customers. The company has 875 employees making them one of the largest providers in Idaho. Providing their health services in 1 state. Many residents of Idaho preferred their services earning the largest and most successful companies and institutions.
SelectHealth
Is also a good company with great insurance plans. They are a non-profit insurance serving its members in Utah and Idaho. To help their members maintain a healthy lifestyle they provide registered nurse care managers, prenatal programs, coverage for preventive care exams, and online health tools. The company was established in 1983 with 975 employees and 530,000 members.
Regence Blue Shield
Another Idaho staple for health insurance. With roots tracing back to the first Blue Shield plan. The company was founded in 1917, with a total of 7,000 employees, covering an area of 4 states, and has over 3 million members. This big company is a partnership with over 50,000 providers and 20,000 facilities.
Mountain West Co-Op
Providing services in Idaho, Montana, and expanding into Wyoming. The company likes to keep overhead low as to help keep rates low as well. Mountain West Co-Op believes their insureds deserve are worthy to have economical health insurance. Being a Co-op Member gives you the privilege to vote on how the company will be run.
Pacific Source Health
This company is known for health plans, offering health and dental plans for individuals, families, small and large organizations. Pacific Source has served its 300,00 members for more than 80 years. With 6,200 employers clients. There are 34,000 participating providers throughout Oregon, Idaho, and southwestern Washington.
Aetna & Humana
Another company with good quality services when it comes to insurance. It is the second-largest healthcare company by revenue with $257.1 billion. Founded in 1977 and went public in the year of 1984. These two companies combined are known for being the largest American health insurance provider covering 45 million individuals worldwide. With 6,100 healthcare facilities and 855,000 doctors and caregivers.
FAQS
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“By submitting the information above, you are agreeing to be contacted by a Licensed Sales Agent by email or phone call to discuss information about Medicare Insurance Plans. This is a solicitation for insurance.”
IDAHO HEALTH INSURANCE INSURANCE OPEN ENROLLMENT
The Idaho Health Insurance Open Enrollment for 2021 health plans runs from November 1 through December 15, 2020. Since a pandemic hit worldwide, a COVID-related enrollment period is extended from March 1 through March 31, 2021, with coverage effectiveness on April 1. This is an outside open enrollment window and only applies to uninsured Idaho residents.
Find out more from Idaho's exchange website Your Health Idaho https://www.yourhealthidaho.org/
IDAHO HEALTH INSURANCE RATES & COSTS
Now that you are knowledgeable about what companies to choose and the period of enrollment, you also need to discuss the budget for your coverage and plan. Determining the rates and the costs, health insurance in Idaho on average for the different metal levels below:
- Bronze: Average Monthly Premium is $462
- Silver: Average Monthly Premium is $700
- Gold: Average Monthly Premium is $748
These are just the available average monthly premiums for Idaho Health Insurance, they can also offer the cheapest rates for insurance plans. And keep in mind that the actual prices may vary on zip code, age, gender, and other factors.
There’s a lot of online tools you can use to find out your monthly premium. Where you can put your personal information like your age and address, and zip code, this will help calculate your coverage and monthly premiums. Besides, you may be eligible for a tax credit that can help you offset the cost of your monthly rates and out-of-pocket expenses. You can check Your Health Idaho for friendly-tools to calculate the available premiums for your income and to determine if you are eligible for potential cost-saving programs. Tax credit and cost-sharing eligibility are determined by the Idaho Department of Health and Welfare. And this is based on your household size, monthly income, and other factors.
Idaho Health Insurance Frequently Asked Questions
What is Your Health Idaho?
It is also known as Idaho Health Insurance Exchange it is an online marketplace for the U.S. state of Idaho. Making Idaho families and small businesses to purchase, compare and choose health insurance coverage at federally subsidized rates.
Who is qualified for coverage through Your Health Insurance?
To enroll on Your Health Idaho plans a person must be:
- A US citizen or National. Or if you’re not a US citizen, a person must be lawfully present in the country for an entire-time to plan to have health insurance.
- Lived in the U.S. and have a primary residence in Idaho.
- Considered a resident in the U.S. and Idaho tax-purposes.
- And you cannot be incarcerated or imprisoned.
Where can I shop for Idaho plans?
At Your Health Idaho, you can shop and compare different coverage and plans side-by-side on just one website. This will determine where the right coverage is and if it’s suited to your budget.
How to apply for coverage?
An individual can create an account and set up the following information to shop for plans and purchase coverage online. Or if you have no computer you can call their phone number and request a paper application.
Can I still enroll even if it is not an Open Enrollment Period?
There are certain situations where you can apply for insurance even though it is not Open Enrollment, this is called the Special Enrollment Period (SEP). This allows a certain individual to apply for new health insurance. But there are 60 days to complete certain documents to get eligible for this period.
Where can I ask for help?
Consumer Connectors are available across the State of Idaho providing free-assistance to everyone. The agents, brokers, and other counselors are certified by Your Health Idaho. They have the knowledge and expertise at navigating the application and giving the available coverage that is right for your family.
What are the benefits covered on health insurance plans in Idaho?
Health Insurance plans in Idaho are covered ten essential health benefits such as:
- Doctor visits
- Hospitalization
- Emergency services
- Mental health and substance abuse services
- Rehabilitative and habilitative services (like chronic disease management)
- Maternity and newborn care
- Laboratory tests
- Medicine and drug prescription
- Preventive wellness and screenings
- Pediatric care (includes oral and vision health)
In Your Health Idaho, all plans are offered to meet the high standard of state and federal requirements.
Can the individual with pre-existing conditions be denied in having health insurance? Or do they have to pay higher than the average?
All plans must cover treatment even for pre-existing medical conditions. No insurance company can reject you. Or even charge you more. Once you’re enrolled, the plan can’t deny your coverage or raise your monthly premiums based on your medical conditions.
What are APTC and CSR?
Advance Premium Tax Credit or APTC is a form of tax credit that can be applied through your monthly premiums, this will help lower the cost of your coverage. Cost-sharing reductions or CSR is a discount that helps lower the amount you pay for out-of-pocket things like, deductibles, co-insurance, and co-payments.
Can I still qualify for a tax credit even if I never filed income taxes before?
Yes. You can still receive tax credit even though you have never filed income taxes before. However, if you apply and are approved to receive the tax credit, you must file a tax return for that plan year.
How To Get Coverage With A "QLE" Qualifying Life Event
Will I report a life-changing event? How?
Yes, this can affect your plans and maybe you become eligible for the Qualifying Life Event. You can report your life-changing event to the Department of Health and Welfare (DHW) or to Your Health Idaho (YHI). This will depend on whether you want to receive or apply for cost-sharing.
Do I need to present proof for the Qualifying Life Event?
Yes! All Qualifying Life events need proof or validation. When you report on something the Department of Health and Welfare will request documentation for proofs. The documents you present must be received and validated within the Special Enrollment Period.
Should I receive a confirmation after reporting? And what notices is that?
If you report it in Your Health Idaho all notices will fall on your Your Health Idaho inbox and the alert notices will be received through the email you linked to your account. Once you received an email this is most likely a:
- The first notice acknowledges that you reported a Qualifying Life Event and requested a Special Enrollment Period.
- Follow-up notices asking for validation documents to prove your report. And if you applied at the Department of Health and Welfare they may also request validation documents.
- An additional communication might be sent to your email address or designated Consumer Connector. This alert may also request additional clarifications or communicate to discuss that the report doesn’t qualify for the Special Enrollment Period.
- Your Health Idaho may send up to three reminders to complete the submission of validation documents.
- You may receive a notice in Your Health Idaho inbox if your change is approved and you have a Special Enrollment Period. Make sure to enroll before SEP ends. You will also receive a notice indicating your financial eligibility before the event is validated. This will consider whatever assistance might be available when you look for a plan.
Can I choose a plan before your Qualifying Life event is validated?
You can’t enroll on a plan before your change is validated. But still, you can browse and compare your plans anytime. We encourage you to review your plans to prepare for enrollment.
What is a Creditable Coverage Letter?
A creditable coverage letter is issued to you by your insurance provider or previous employers showing the dates of coverage and if your insurance coverage meets the minimum essential benefits. The letter also indicated the termination dates and if the coverage wasn’t terminated due to non-payment.
What if your Qualifying Life Event is not validated?
If the change is not validated within 60 days from the day of the event, a Special Enrollment Period will not open and your request will also be closed. If your initial documents are not qualified to support your report, you can provide additional documents for proof within the period.
What happens when you don’t finish enrollment before the Special Enrollment Period ends?
If your request is approved, but you don’t enroll in a certain plan in time, the SEP will ends. Once you enroll in a plan you cannot make any changes to your coverage unless you have another Qualifying Life Event or a General Enrollment Period.
NOTE: You must report, submit validation documents, and enroll in the plan within the 60 days prior to your life event to use your Special Enrollment Period.
Call Today For A No Obligation Quote
These are the frequently asked questions many people ask about Health Insurance in Idaho. If you still have additional questions you can contact our phone number at (208)-409-3382 or visit our website Boise Health & Life Insurance Agency or go to www.goidahoinsurance.com
Remember that insurance is confusing and huge! Don’t shop alone, pack yourself with the knowledge to make the most out of your coverage. This will be your support in providing your healthcare and financial assistant.
Why Use A Medicare Broker
Serving Boise The Treasure Valley & Idaho
Below are some of the other Idaho cities and counties our office can offer products and services to customers. We do cover the entire Treasure Valley. Don't worry though as we can always schedule a zoom or online meeting for your convenience and safety!
- Pocatello
- Idaho Falls
- Lewiston
- Middleton
- Payette
- Twin Falls
- Mountain Home
- Sun Valley
- Ketchum
- Meridian
- Kuna
- Eagle ID
- Parma ID
- ADA County
- Canyon County
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Contact Us
“By submitting the information above, you are agreeing to be contacted by a Licensed Sales Agent by email or phone call to discuss information about Medicare Insurance Plans. This is a solicitation for insurance.”
Boise Health & Life Insurance Agency - Serving Boise The Treasure Valley & Idaho