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Call Us NowRequest a Free QuoteIdaho open enrollment is already underway. It runs from October 15 to December 15, 2026 on Your Health Idaho, and every plan picked in that window starts January 1. Idaho does not have a January extension. PacificSource is leaving, so seven insurers remain, with an average approved increase of about 12% before subsidies.
This guide covers the key dates, which insurers are selling plans in Idaho for 2027, how much rates are changing and how to keep your costs down. For free help comparing plans, call a licensed Vivna agent at 888-730-6031.
- Idaho open enrollment ends December 15, a month earlier than most states.
- There is no January window. If you miss December 15, you need a qualifying life event.
- PacificSource is leaving the Idaho Marketplace. Its members must pick a new plan.
- Seven insurers remain, with approved increases from 9% to 23%.
- You must enroll through Your Health Idaho to get a premium tax credit.
Key Dates for Idaho Open Enrollment
| Date | What happens |
|---|---|
| October 15, 2026 | Open enrollment starts on Your Health Idaho |
| December 15, 2026 | Open enrollment ends. Plans picked by this date start January 1, 2027 |
| After December 15 | You need a qualifying life event for a special enrollment period |
If you have a plan now and do nothing, Your Health Idaho may automatically re-enroll you in your current plan. PacificSource members cannot be renewed into their old plan, so compare before December 15 to avoid a gap.
Which Insurers Sell Plans in Idaho for 2027
Idaho had eight Marketplace insurers in 2026. Seven remain for 2027:
| Insurer | 2027 status | Approved average rate change |
|---|---|---|
| Blue Cross of Idaho | Returning | 13% |
| Moda Health | Returning | 23% |
| Molina Healthcare | Returning | 13% |
| Mountain Health CO-OP | Returning | 19% |
| Regence BlueShield of Idaho | Returning | 9% |
| SelectHealth | Returning | 9% |
| St. Luke's Health Plan | Returning | 14% |
| PacificSource | Leaving | None |
Plan choices vary by county. Enter your ZIP code on Your Health Idaho, or have a licensed agent check it for you.
How Much Are Rates Going Up in Idaho
Idaho regulators approved average increases from 9% for Regence and SelectHealth to 23% for Moda. The weighted average is about 12% before subsidies.
Idaho's reinsurance waiver lowers premiums by about 16% compared with what they would be without it. If you are a PacificSource member, see our guide to PacificSource leaving the Marketplace and pick a new plan before December 15.
How Subsidies Work in Idaho for 2027
The enhanced federal subsidies that were in place from 2021 through 2025 expired. For 2027, premium tax credits are available to households with income from 100% to 400% of the federal poverty level that do not have access to affordable employer coverage. Above 400%, there is no subsidy.
Your subsidy is tied to the cost of the second-lowest-cost silver plan in your area. When that benchmark plan goes up, your subsidy usually goes up too. That is why some people see little change in what they pay, while people who earn too much for a subsidy pay the full increase.
If your income is near the 400% line, small changes can make a big difference. See our guide to the ACA subsidy cliff.
Medicaid in Idaho
Idaho expanded Medicaid in 2020. Adults with income up to 138% of the federal poverty level may qualify, and you can apply any time of year. People who qualify for Medicaid cannot get Marketplace subsidies.
A licensed Vivna agent can compare every Idaho Marketplace plan in your ZIP code, check your subsidy and help you switch if your insurer is leaving. Call 888-730-6031 or request a free quote.
How to Enroll in Idaho
- Gather your information: household members, Social Security numbers, income estimate for 2027 and current coverage details.
- Estimate your 2027 income carefully. Your subsidy is based on it, and you reconcile it at tax time.
- Compare plans: look at premiums, deductibles, out-of-pocket maximums, networks and drug lists, not just the monthly price.
- Check your doctors and prescriptions in each plan's network and formulary.
- Enroll on Your Health Idaho or with a licensed agent at no extra cost.
- Pay your first premium to start coverage.
Ways to Lower Your Costs in Idaho
- Compare bronze, silver and gold plans. If your income is under 250% of the poverty level, a silver plan may give you cost-sharing reductions.
- Consider an HSA-eligible bronze plan if you are healthy and want a tax-free savings account.
- Add hospital indemnity or accident insurance to a lower-premium plan to cover big bills.
- Use our open enrollment checklist so you do not miss a step.
Missed Open Enrollment in Idaho
After December 15, you can only enroll in a Marketplace plan if you have a qualifying life event, such as losing other coverage, moving, getting married or having a baby. Medicaid enrollment is open all year. If you do not qualify for either, a licensed agent can walk you through dental, vision and supplemental plans you can buy any time. See how to buy health insurance after open enrollment.
Idaho Open Enrollment: FAQ
When is open enrollment in Idaho for 2027
October 15 to December 15, 2026 on Your Health Idaho. All plans picked in that window start January 1.
Is there a January deadline in Idaho
No. Idaho's open enrollment ends December 15. After that, you need a qualifying life event.
How many insurers sell Marketplace plans in Idaho for 2027
Seven: Blue Cross of Idaho, Moda, Molina, Mountain Health CO-OP, Regence BlueShield of Idaho, SelectHealth and St. Luke's Health Plan.
Are Idaho health insurance premiums going up in 2027
Yes. The approved weighted average increase is about 12% before subsidies.
Can I get a subsidy in Idaho
Yes, if your household income is between 100% and 400% of the federal poverty level and you do not have affordable job-based coverage. Adults under 138% usually qualify for Medicaid instead.
What if I miss the deadline
You need a qualifying life event, such as losing other coverage or moving, for a special enrollment period. Otherwise you wait for the next open enrollment.
Next Steps for Idaho open enrollment
Review your 2027 options before December 15, especially if your insurer is leaving or your rate is going up. Compare plans in your ZIP code and update your income estimate. See our national guide to open enrollment deadlines by state and our Idaho health insurance page.
Want a licensed agent to help? Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern, or request a free quote.
Sources
- healthinsurance.org: Idaho Marketplace
- Idaho News: Idaho finalizes 2027 premium rates
- Idaho Department of Insurance: 2027 renewal notice
- Your Health Idaho
Related Guides
About the author: Michael Sprague
Michael co-founded Vivna Insurance, a licensed independent agency in Deerfield Beach, Florida. He has worked in health insurance sales for more than a decade. Today, he helps Florida families and self-employed clients compare marketplace, short-term and supplemental plans. Licensed health insurance agent, Vivna Insurance (Agency NPN 19168641). Call 888-730-6031.
Reviewed by Heather Sprague, licensed health insurance agent.
Vivna Insurance is a licensed independent agency, not a government website. Our help is free; we are paid by the insurance companies we work with. Coverage options, deadlines and costs vary by plan and state.
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