Idaho health insurance in 2027: seven carriers, six rating areas and a shorter enrollment calendar
Idaho operates its own individual Affordable Care Act Marketplace, Your Health Idaho. For coverage starting January 1, 2027, its Open Enrollment runs from October 15 through December 15, 2026—different from the federal HealthCare.gov calendar. The Idaho Department of Insurance (DOI) announced that seven medical insurers would offer 2027 coverage and finalized a 12% average increase in individual-market premiums. Idaho also has six geographic rating areas covering all 44 counties, although actual doctors, hospitals and plans still differ by ZIP and product.
This guide joins regulator-level market facts with household-level decisions: the 2027 insurer changes, Idaho's reinsurance waiver, tax credits after the enhanced credits expired, plans in rural counties, provider and prescription checks, and new 2027 Medicaid expansion reporting rules. Use it as independent research, not as an official enrollment form or a personalized premium quote.
Research checked October 26, 2026. Idaho DOI's finalized market-wide average is not a personal premium increase; the 2027 consumer quote depends on the plan, age, ZIP, household, other coverage and financial assistance. The 2027 regulator release identifies more than 143 medical plans and 22 dental plans; these totals do not mean all plans are available in every county. Sources: DOI October 6 release, Your Health Idaho and CMS Idaho rating areas.
Six Idaho-specific checks before choosing any 2027 plan
Do not use HealthCare.gov's longer January calendar. Your Health Idaho allows 2027 selections October 15–December 15, 2026; complete required premium payment and verification to effectuate coverage.
Idaho DOI approved a 12% average individual-market rate increase; its insurer-specific finalized changes range from 9% to 23%. The tax credit may have a much greater impact on the amount a household actually owes.
Boise/Ada County and Canyon share Area 3; Coeur d'Alene/Kootenai belongs to Area 1; Idaho Falls/Bonneville belongs to Area 4. A plan can still restrict its product and network to particular ZIPs.
Your Health Idaho explains that enhanced tax credits expired after 2025; standard ACA credits remain for eligible enrollees. Re-estimate 2027 household income rather than carrying over an older subsidy figure.
DOI estimates Idaho's approved 1332 reinsurance program will hold 2027 individual premiums 16% below a modeled no-waiver level. It is not a separate 16% customer discount on top of the published plan price.
Beginning January 2027, affected expansion members face qualifying activity and six-month re-evaluation rules subject to exclusions and exemptions. A family should not confuse Medicaid eligibility with private Marketplace plan shopping.
Real interactive Idaho map: all 44 counties assigned to six CMS rating areas
Idaho's county-based insurance pricing geography is specified by CMS. The interactive state map on this page uses the existing ApexTrusted accessible map component, actual U.S. Census TIGERweb 2020 county boundaries, and the complete federal CMS county-to-rating-area assignments. A map tap or region selector lets a reader explore a county; it never substitutes for an insurer's 2027 service-area lookup.
| CMS area | Counties | Useful local comparison |
|---|---|---|
| Area 1 · 5 counties | Benewah, Bonner, Boundary, Kootenai, Shoshone | Coeur d'Alene/Sandpoint and north panhandle provider access. |
| Area 2 · 5 counties | Clearwater, Idaho, Latah, Lewis, Nez Perce | Moscow/Lewiston and remote central–northern county networks. |
| Area 3 · 10 counties | Ada, Adams, Boise, Canyon, Elmore, Gem, Owyhee, Payette, Valley, Washington | Boise/Nampa/Caldwell and surrounding southwest/rural areas. |
| Area 4 · 9 counties | Butte, Bonneville, Clark, Custer, Fremont, Jefferson, Lemhi, Madison, Teton | Idaho Falls/Rexburg plus more remote eastern mountain counties. |
| Area 5 · 8 counties | Blaine, Camas, Cassia, Gooding, Jerome, Lincoln, Minidoka, Twin Falls | Twin Falls/Magic Valley and Wood River corridor. |
| Area 6 · 7 counties | Bannock, Bear Lake, Bingham, Caribou, Franklin, Oneida, Power | Pocatello/Blackfoot and southeastern Idaho. |
Map provenance: CMS Idaho GRA provides all six county groupings; Census TIGERweb 2020 supplies 44 authentic polygons. Rating area is one regulated price factor; it is not the insurer network, county-by-county plan inventory, guaranteed availability or a ZIP-specific premium. Select the precise household address in the official plan finder.
Seven regulator-confirmed 2027 Idaho individual medical insurers
The Idaho DOI October 6, 2026 final announcement identifies Blue Cross of Idaho, Moda Health Plan, Molina Healthcare, Mountain Health CO-OP, Regence BlueShield of Idaho, SelectHealth and St. Luke's Health Plan as the seven individual-market insurers for 2027. The state-based Marketplace includes 143+ medical plan choices statewide in total, but consumers must check plan service areas and product details by residential ZIP. Avoid extrapolating which county has which carrier from the six-rating-area map.
DOI published Bronze +11%, Silver +12%, Gold +13% and Catastrophic +5% rate changes for this issuer. Check your exact plan's doctors, product network, provider directory and subsidy-adjusted 2027 premium.
DOI's 2027 filing table lists Bronze +22%, Silver +26% and Gold +23%; the final overall rate change is +23%. That is an issuer-level summary, not a guaranteed plan-by-plan or household outcome.
The state table reports Silver +14% and Gold +11%, with no Bronze or Catastrophic rate-change cell. Do not infer a Molina Bronze plan from a blank filing field; confirm the 2027 product list at Your Health Idaho.
DOI also lists Bronze +22%, Gold +16% and Catastrophic +35%. Compare any available local CO-OP contract by total expected costs and provider access, not only the percent rate change.
The regulator gives Bronze +7% and Gold +10% for 2027. Check that a named Idaho provider accepts the specific Regence product, rather than the broad Regence brand alone.
DOI lists the preliminary overall request at +11% and the final overall at +9%; the Bronze and Gold final entries are +9%. Requested and final figures should not be conflated.
The regulator reports Bronze +15% and Gold +13%. Check network specifics, including which Idaho hospitals and care groups belong to the exact individual Marketplace policy.
All insurer-level percentages above are final overall or metal-tier approved changes in DOI's 2027 ACA individual-market table, not customer quotes, review scores, claims-denial rates, guaranteed county availability or rankings. For plan lookup go to Your Health Idaho Shop Plans.
Requested versus final 2027 Idaho premium changes: a traceable insurer table
Idaho DOI's 2027 individual rate review publishes both preliminary overall requests and final metal-level and overall decisions. The weighted statewide final average reported by DOI is +12% for individual coverage. Some final issuer figures differ materially from requests, so a page that copies a preliminary increase and calls it “approved” would mislead readers. These are changes in gross filed premium rates, before individualized tax credits.
| Individual insurer | Preliminary overall | Final overall | Final Silver |
|---|---|---|---|
| Blue Cross of Idaho | +13% | +11% | +12% |
| Moda Health Plan | +27% | +23% | +26% |
| Molina Healthcare | +13% | +13% | +14% |
| Mountain Health CO-OP | +19% | +19% | +20% |
| Regence BlueShield of Idaho | +9% | +9% | +11% |
| SelectHealth | +11% | +9% | +10% |
| St. Luke's Health Plan | +14% | +14% | +10% |
| Idaho statewide individual average | +13% | +12% | +12% |
Idaho also reported a separate +12% average 2027 small-group market increase. That is a different regulated market and cannot be used as an individual Exchange quote. On reinsurance, the regulator stated that its 1332 waiver held 2025 individual rates approximately 20% below a modeled no-waiver level, 2026 rates 18% lower and projects 2027 rates 16% lower. Those figures compare modeled outcomes with and without the waiver—not additive coupons or the rate change a member sees on renewal.
Source and publication: Idaho DOI final rate announcement, October 6, 2026, reconciled to its issuer-level 2027 rate review table. Even a final issuer average is not an individual's renewal notice or a guarantee of what financial assistance will cover.
Keep the State context above, then compare current options using the actual ZIP, household details, provider needs and prescriptions that apply to you.
Marketplace scale, participation and what statewide figures do not tell a rural household
Idaho's own state exchange historical timeline reports approximately 144,000 Idahoans enrolled during its 2026 Open Enrollment, following about 139,000 during the 2025 Open Enrollment. These are rounded, exchange-reported OEP enrollment counts—not 2027 enrollments, not monthly effectuated enrollment and not the number of Idahoans uninsured or on Medicaid. The 2027 state regulator's statement of more than 143 medical plans is also a statewide product total, not a county-by-county shopping list.
| Metric | Verified value | Exact interpretation |
|---|---|---|
| 2025 OEP participation | Approximately 139,000 | Idaho exchange's rounded historical Open Enrollment figure. |
| 2026 OEP participation | Approximately 144,000 | Idaho exchange's rounded completed 2026 OEP enrollment; not 2027. |
| 2027 statewide medical offerings | More than 143 plans | Regulator's 2027 state total; actual ZIP-specific options vary. |
| 2027 statewide dental offerings | 22 plans | Separate dental products, not counted as medical insurance. |
| 2027 medical issuers | 7 | Individual medical market carrier count in DOI release. |
For a real choice, a Boise resident should use an Ada County ZIP; a Moscow resident should use their actual Latah ZIP; and a Salmon resident should use their Lemhi ZIP. The CMS county-rate grouping matters, but no one should assume a doctor or policy crosses a county line. The Idaho DOI archive offers historical downloadable plan landscapes, but its displayed archive does not independently establish a complete certified 2027 county-by-county plan/price matrix. This review therefore makes no invented county availability count.
What a 2027 Idaho household really pays: premium, deductible, out-of-pocket risk
For the same 2027 ZIP and household, compare annual net premium plus realistic medical use and maximum possible out-of-pocket exposure. A Silver plan may offer cost-sharing reductions (CSR) to an eligible person that a Bronze plan cannot; a lower-premium Bronze plan can involve much larger deductibles or medication expenses; a Gold plan may cost more each month but reduce some cost sharing. No metal is best for every household.
| Comparison field | What to inspect for the exact 2027 plan | Why it changes the decision |
|---|---|---|
| Gross monthly premium | 2027 official ZIP-, age- and household-specific premium before APTC. | Regulated starting price; a statewide rate change cannot replace it. |
| APTC / net premium | Current household income, eligibility, age, family size and employer offer. | Subsidy changes can make renewal bills change more than gross premiums. |
| Deductible | Individual/family, in-network and prescriptions, including exceptions. | How much care is paid before many plan benefits begin. |
| Copay / coinsurance | PCP, specialists, urgent care, ER, labs, imaging and drug tiers. | Usage costs depend on services and product rules. |
| Maximum out of pocket | 2027 in-network covered essential benefits cap and exclusions. | Relevant worst-case exposure; premiums and non-covered care are separate. |
| Provider/drug access | Exact 2027 product directory, hospital links and formulary. | Low price is not savings if essential local care is out of network. |
The secure Your Health Idaho plan finder can compare monthly estimated financial assistance and benefit details for a household. Its October 2026 guidance says shoppers can enter ZIP, household size, estimated income and ages and compare coverage without creating an account; 2027 enrollment is completed in the official application during October 15–December 15. Do not substitute made-up $0 premiums or unsupported statewide average prices for that personalized calculation.
Provider networks: Boise hospitals and rural Idaho require different checks
An insurer's brand does not prove the doctors in your community accept every product it sells. In metropolitan areas such as Boise, Meridian, Nampa, Idaho Falls, Twin Falls and Pocatello, compare your existing primary care clinic, specialists, hospitals and urgent care with the exact 2027 plan identifier. In remote counties such as Lemhi, Custer, Idaho, Owyhee and Boundary, additional considerations can include a drive to an in-network hospital, specialty referrals, telehealth availability and non-emergency transport rules.
Use the 2027 insurer directory linked from the exact Your Health Idaho plan detail; check the actual product/network ID, not only the insurer name.
Ask both the insurer and the provider's billing office about participation with your plan for the next contract year and whether new patients are accepted.
Check referrals and prior authorization for planned services, and the plan's emergency coverage terms. Do not assume out-of-state non-emergency care is routinely in network.
Confirm pediatric care, mental health clinicians, specialty appointments and travel needs for every person in the family. A good-looking broad network may not answer a specific need.
Network adequacy and plan approval are regulated: Idaho DOI's health filing guidance discusses provider contracting and applicable network rules, but it is not a list of actual in-network clinicians for a particular 2027 product. The definitive day-to-day checks are the product directory, contract, appointment office and issuer confirmation.
Quality and insurer comparisons: evidence to check without invented star ratings
Ratings can be useful when they correspond to the actual year, population and licensed plan. A health insurer's national reputation, a Medicaid contract, an employer plan and a specific 2027 Idaho individual Marketplace product are not interchangeable. The official plan comparison interface is the sensible starting point for any displayed 2027 quality indicators, if available. Confirm whether a score belongs to a product or a broader carrier and what measurement year underlies it.
| Signal | Where to validate | Common misinterpretation |
|---|---|---|
| Official plan quality | 2027 official Exchange plan detail or CMS-rated QHP source when published | A national or prior-year score is not automatically a 2027 Idaho plan score. |
| Complaint/consumer protection | Idaho DOI market share and complaint comparison tables | Different product lines, denominator and complaint periods matter. |
| Provider availability | Issuer's named product directory and provider verification | An insurer logo at a hospital is not proof your policy is accepted. |
| Drug accessibility | Specific 2027 formulary and chosen pharmacy network | A prescription advertised as “covered” may still require authorization or cost sharing. |
At this research cutoff, no verified apples-to-apples seven-carrier 2027 Idaho individual-plan star comparison was established from an official plan-level data set. For that reason we deliberately do not assign insurer stars, quality ranks or “top seven” positions.
Prescription coverage: confirm the drug and the pharmacy, not just the plan name
A formulary is a plan's specific covered medication list and its restrictions. For every regular medication, identify its generic/brand name, dosage, dosage form and necessary pharmacy. Then read the exact 2027 product's published formulary: tier, deductible, copay or coinsurance, quantity limits, prior authorization, step therapy, specialty distribution and any retail/mail-order requirements. Look for available local pharmacies in your actual Idaho community, not just a statewide pharmacy brand.
Record drug, strength, quantity and frequency; include devices or treatments that may fall under medical rather than pharmacy benefits.
Check tier, PA, ST, quantity limits, preferred generics and exceptions; don't reuse an old-year PDF without verifying the effective date.
Confirm your local Idaho pharmacy is in network, estimate 30-day and 90-day fills, and ask about specialty or cold-chain delivery where relevant.
Ask your prescribing clinician about any authorization needed before the 2027 start date, particularly when switching carriers or moving counties.
Prescription costs must be combined with net premiums, specialist visits and hospital exposure before concluding a less expensive plan is really cheaper. The exchange's benefits primer explains essential health benefits, but an individual issuer's benefit documents determine medication coverage.
Financial assistance, Medicaid and CHIP: three different eligibility pathways
Eligible households can still get ordinary ACA advance premium tax credits (APTC) through Your Health Idaho in 2027. But its official federal-changes page says enhanced credits expired at the end of 2025; the original ACA calculation returned, and people above 400% of federal poverty level generally lost APTC under the stated rules. The Marketplace also says the cap on repayment of excess APTC ended in 2026—meaning projected annual income should be updated during the year, and tax reconciliation may be significant. Tax credits are only available through the official state exchange, not by purchasing directly off-exchange.
There is a second important employer-offer test. Your Health Idaho's 2027 affordability guidance states an employer-plan affordability threshold of 10.22% for 2027 (compared with 9.96% for 2026). Family-member affordability and coverage eligibility require the actual offer and household calculation. The Marketplace's eligibility tool should determine outcomes—do not drop employer coverage without checking the details and enrollment windows.
Idaho Medicaid expansion is separate from private ACA coverage. The Department of Health and Welfare's 2027 notice explains that, for affected 19–64-year-old Medicaid expansion members, certain work, training, education or community activities must be documented, generally totaling 80 hours a month, with important exclusions and exemptions. Its guidance also describes six-month re-evaluations; the Department will first review qualifying activity for renewal periods ending on or after January 1, 2027. DHW explicitly says details may be updated as federal guidance develops. Members should check their own exemption status, current notices, documentation and deadlines directly through DHW/Idalink.
| Route | Official place to start | Key caution for 2027 |
|---|---|---|
| Private individual Marketplace | Your Health Idaho | APTC/CSR and cost depend on 2027 household and plan; Oct 15–Dec 15 Open Enrollment. |
| Employer-sponsored insurance | Employer benefits department; official affordability tool | Check minimum-value and 2027 10.22% affordability before assuming tax-credit eligibility. |
| Adult Medicaid/expansion | Idaho DHW application | 2027 reporting/renewal change may affect expansion members; exemptions are individualized. |
| Children's Medicaid/CHIP | Idaho DHW CHIP | CHIP is generally low-cost coverage for eligible children under 19; distinct income/insurance rules. |
The 2027 federal rule timeline on the exchange's official website also discusses an August 2027 verification change affecting 2028 passive APTC/CSR renewals. That later-year process is not evidence that all 2027 enrollees lose credits automatically on January 1, 2027. The same page details immigration-category rules requiring case-specific review. This article cannot decide immigration, tax or public-benefit eligibility for an individual.
Idaho's 2027 enrollment timeline and effective dates
Here the state-based exchange schedule controls, not the federal November–January calendar. Idaho's Marketplace offered a plan preview window October 1–14, 2026, and 2027 Open Enrollment October 15–December 15, 2026. Its official press information describes 2027 coverage beginning January 1, 2027 for eligible timely enrollments subject to required first premium and verification. Outside that window, a qualifying life event may open a Special Enrollment Period (SEP); Your Health Idaho says some events use a 60-day period and others 90 days.
| Milestone | Date | Action / limitation |
|---|---|---|
| 2027 plan browsing preview | Oct 1–14, 2026 | Compare preliminary consumer options and estimate tax credits without committing to enrollment. |
| 2027 Idaho Open Enrollment opens | Oct 15, 2026 | Submit applications, select, renew or change individual plans through Your Health Idaho. |
| Final regular 2027 selection deadline | Dec 15, 2026 | Complete choice and required documents by state Marketplace deadline; check first payment. |
| 2027 coverage begins | Jan 1, 2027 | Expected effective date for successfully enrolled and effectuated 2027 individual coverage. |
| Medicaid expansion rule changes | Jan 1, 2027 | Affected renewal periods become subject to DHW's new activity/documentation process. |
| Qualifying-life-event SEP | Outside regular OEP | Event-based 60- or 90-day window depending on the type; supporting evidence needed. |
| 2028 financial-help verification cycle starts | Aug 2027 | Separate future-year process, not a second 2027 regular OEP. |
Official calendar sources: Your Health Idaho plan preview and OEP guide, SEP rules, and DOI final 2027 press release.
How to choose your Idaho 2027 plan in six decisions
Separate employer-sponsored coverage, public Idaho Medicaid/CHIP and the independent individual Marketplace. Check the 2027 10.22% employer-offer affordability rule where relevant.
On the state exchange, provide household ages, size, address and estimated annual income. Use that service-area result, not an average rating-region price.
Apply the correct current APTC/CSR estimate and compare estimated net monthly bills. The enhanced tax-credit expiration and income changes make 2026 renewal assumptions risky.
For each Bronze, Silver, Gold or eligible Catastrophic option, include monthly net premium, deductible, office visits, drug tiers, coinsurance and maximum out of pocket.
Call both the specific plan and the clinician; check 2027 formulary and network pharmacies. Rural Idaho specialty travel can change the practical result.
Save the exact product Summary of Benefits and Coverage, effective date, application notice, ID, premium payment terms and any SEP or Medicaid notices.
Official next step: compare 2027 plans at Your Health Idaho, or use the exchange's certified agent finder. The exchange publishes the consumer-help phone number 855-944-3246. ApexTrusted is an independent research publication; it does not issue policies, determine eligibility or guarantee premiums.
Questions Idaho residents ask about health coverage for 2027
Is Idaho's health insurance Marketplace HealthCare.gov?
No. Idaho uses the state-operated Your Health Idaho exchange for individual ACA coverage and financial assistance.
When does Idaho's 2027 Open Enrollment end?
December 15, 2026. Idaho's state exchange opens October 15 and closes December 15 for coverage beginning January 1, 2027. Do not follow a different state or federal Marketplace deadline.
How many 2027 Idaho medical insurers are confirmed?
Seven: Blue Cross of Idaho, Moda Health Plan, Molina Healthcare, Mountain Health CO-OP, Regence BlueShield of Idaho, SelectHealth and St. Luke's Health Plan, according to Idaho DOI's October 6, 2026 announcement.
Did all Idaho premiums increase by exactly 12% in 2027?
No. DOI's +12% figure is the statewide average individual-market finalized increase. The agency reports issuer averages ranging from +9% to +23%; specific plan rate changes, tax credits, age and ZIP may lead to a different personal renewal bill.
Does the 1332 waiver give each consumer 16% off the price shown?
No. The regulator estimates 2027 premiums would be 16% higher without the statewide reinsurance waiver. That is a modeled counterfactual used to explain how the program tempers market prices—not an extra coupon applied to your checkout price.
Does the map show where an insurance plan works?
No. It shows real county boundaries and CMS geographic rate areas. Plan service areas, participating clinics and formularies differ and must be checked for the specific policy and residential ZIP.
Which Idaho counties share rating area 3 with Boise?
Ada, Adams, Boise, Canyon, Elmore, Gem, Owyhee, Payette, Valley and Washington. That geographic rating classification does not guarantee identical carrier offerings or networks.
What happened to enhanced Marketplace premium tax credits?
Your Health Idaho states the enhanced credits expired December 31, 2025, while standard ACA advance premium tax credits remained for those eligible. Recalculate your actual 2027 eligibility and do not assume a prior-year subsidy amount persists.
What is the employer-plan affordability threshold for 2027?
Your Health Idaho's current guidance specifies 10.22% for 2027, compared with 9.96% for 2026. Household circumstances, employer plan terms and affordability determinations still matter.
What changes for Idaho Medicaid expansion in January 2027?
Idaho DHW describes qualifying activity reporting, possible 80-hour monthly requirements and six-month re-evaluations for affected expansion beneficiaries, subject to multiple exclusions/exemptions and later federal guidance. Confirm your individual status and renewal deadline with DHW.
Can children use CHIP if their family earns too much for Medicaid?
Possibly. Idaho DHW describes CHIP as low-cost coverage for qualifying residents younger than 19 whose household income exceeds Medicaid eligibility; the official application determines income, citizenship/residency and other insurance conditions.
Can I sign up after December 15?
For a private Marketplace plan, typically only with an eligible Special Enrollment Period. Your Health Idaho lists qualifying life events with event-specific windows of 60 or 90 days. Medicaid and CHIP follow separate enrollment rules.
How can I compare Idaho plans without using ApexTrusted to apply?
Use the official state exchange to browse 2027 plans by ZIP, income, ages and household size, inspect product details and enroll directly.
Idaho 2027 methodology, primary-source ledger and explicit evidence limits
Research cutoff: October 26, 2026. For 2027 Idaho we reviewed the state exchange, the October 6 DOI final rate release, issuer-level proposed and final rate filing table, CMS federal county-rating table, original 2020 Census county polygons, Idaho DHW public-program rules and official exchange tax-credit and Special Enrollment guidance. The market figures refer to individual ACA medical coverage unless otherwise specified. The Idaho DOI rate table does not directly quote any household's post-credit premium, and the county rating map does not assert local carrier product availability or provider-network membership. All four lifestyle visuals are original AI-generated editorial illustrations, not actual customers, insurer policies or endorsements.
Official state exchange, 2027 Oct–Dec enrollment, product preview, tax credit guidance and SEP.
Your Health IdahoConfirmed seven individual carriers, statewide average and proposed-vs-final carrier table.
DOI final 2027 releaseSix authentic county-based rating areas assigned to 44 real county boundaries.
CMS Idaho GRAMedicaid expansion community-engagement guidance, exclusions and CHIP pathway.
DHW Medicaid expansion| Evidence family / status | Verified 2027 finding or limitation | Direct primary evidence |
|---|---|---|
| 1. Marketplace · FOUND_CURRENT | Idaho runs state-based individual Marketplace Your Health Idaho. | Your Health Idaho home, 2026–27 |
| 2. Open Enrollment · FOUND_CURRENT | Oct 15–Dec 15, 2026, with Jan 1, 2027 coverage; SEP event window may be 60 or 90 days. | OEP 2027 guide, Sep 24 2026 · SEP |
| 3. Geography · FOUND_CURRENT | Six county-based CMS rating areas encompass all 44 Census Idaho counties; not provider or plan service boundaries. | CMS GRA, updated Sep 2024 · Census TIGERweb 2020 |
| 4. Issuer roster · FOUND_CURRENT | Seven named individual carriers as listed in the 2027 final DOI release. | DOI Oct 6, 2026 |
| 5. Carrier movements · NOT_AVAILABLE_AFTER_RESEARCH | The confirmed 2027 seven-carrier roster is verified, but the reviewed official materials do not establish a complete prior-year issuer-entry/exit reconciliation. | Idaho DOI annual filing directory |
| 6. Requested rate · FOUND_CURRENT | Seven preliminary 2027 overall requests published per issuer, statewide preliminary average +13%. | Idaho DOI 2027 individual table |
| 7. Final rate · FOUND_CURRENT | Final individual-market statewide average +12%; issuer final averages range +9% to +23%. | Idaho DOI final table · announcement |
| 8. Personal premium · NOT_AVAILABLE_AFTER_RESEARCH | No verified statewide personally applicable 2027 benchmark/single net-dollar figure. Use real ZIP/age/income/plan quote. | Official ZIP-based 2027 plan finder |
| 9. Exchange enrollment · FOUND_LATEST_AVAILABLE | Historical rounded 2026 OEP enrollment ~144,000, reported by the exchange; 2027 OEP not completed at cutoff. | Exchange timeline, 2026 |
| 10. County product availability · NOT_AVAILABLE_AFTER_RESEARCH | Statewide 143+ medical plans verified; no complete audited current ZIP/county-specific 2027 product census used here. | Idaho DOI older landscape archive · live official plan finder |
| 11. Provider network · FOUND_CURRENT_METHOD | Product-level directory and provider confirmation required; no invented rural/hospital participation list. | Idaho DOI network rules · plan finder |
| 12. Drug formulary · FOUND_CURRENT_METHOD | Use precise plan's 2027 Rx document for tier, PA, ST, pharmacy participation; no fictitious drug formulary tiers. | Exchange coverage basics |
| 13. APTC/CSR · FOUND_CURRENT | Enhanced credits expired Dec 31, 2025; standard tax credits persist for eligible households, with 2027 employer affordability 10.22%. | Exchange federal changes · 2027 employer rule |
| 14. Medicaid/CHIP · FOUND_CURRENT | 2027 expansion community engagement and shorter renewal reporting; CHIP for eligible children under 19. | DHW 2027 expansion · CHIP |
| 15. Quality · NOT_AVAILABLE_AFTER_RESEARCH | No independently cross-validated plan-level 2027 scores comparable across all seven carriers; no fabricated star ratings. | Exchange plan details · DOI complaint records |
| 16. Plan-year changes · FOUND_CURRENT | Idaho 1332 estimated 16% modeled no-waiver difference; 2027 tax/immigration policies and Medicaid activity changes are distinct. | DOI · exchange · DHW |
| 17. Purchase workflow · FOUND_CURRENT | Official preview and ZIP-dependent plan comparison, apply Oct–Dec, check documents, doctors, formularies and payment. | State exchange 2027 guide |
| 18. Sources & methodology · FOUND_CURRENT | State/federal direct publications checked 2026-10-26; historical metrics labeled, unverified details withheld. | Idaho DOI · CMS |
Editorial independence and corrections: No carrier in this article paid for a positive rating or earned an invented score. Rates, coverage availability, APTC rules, Medicaid rules and plan documents may change; verify material financial or eligibility decisions with the relevant official agencies and the contract you are considering. Contact the site's editorial team to flag a missing source or changed primary record. The source ledger is provided so readers can audit individual assertions without entering a sales flow.
Research & editing by Tú Nguyễn Founder & Research Editor
Tú Nguyễn operates ApexTrusted and researches public insurer, government and regulatory information for its guides. This is editorial research, not a specialist medical or insurance-license review.
Read full editor biographyWhy you can trust this guide
ApexTrusted identifies the dates, geographic scope and limits of the published sources behind each state guide. Carrier availability, prices and networks need plan-specific verification. Referral compensation is disclosed separately from editorial research.
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Use the Idaho research to compare the options that actually apply to you
The State review explains the market, geography, rate and network context. The next step is to keep those findings attached to your real ZIP, household, providers, prescriptions and current plan choices.