Health Insurance Plans in Elmore County, Idaho (2026)
68 ACA marketplace (Obamacare) plans are available in Elmore County, ID, from 7 insurers. The cheapest plan starts at $293.61/month before subsidies (Catastrophic plans, for under-30s, from $227.20).
That is the lowest starting price of the 26 county areas we track in Idaho, 6% below the statewide median of $312.57.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Mountain Home and Glenns Ferry.
68
Plans Available
$293.61
Cheapest Plan/mo
7
Insurers
Your Health Idaho
Exchange
Insurers With the Cheapest Plans in Elmore
Plans Available in Elmore
Sorted by monthly premium · 30-year-old · Before subsidies
Mountain Health Cooperative LINK CATASTROPHIC
Mountain Health Cooperative
$227.20/mo
Ded: $10,600
Blue Cross of Idaho Health Service, Inc. IDID Southwest Catastrophic 10600
Blue Cross of Idaho Health Service, Inc.
$261.97/mo
Ded: $10,600
Blue Cross of Idaho Health Service, Inc. SLHP Catastrophic CarePoint 10600
Blue Cross of Idaho Health Service, Inc.
$270.12/mo
Ded: $10,600
Blue Cross of Idaho Health Service, Inc. Hometown Southwest Catastrophic 10600
Blue Cross of Idaho Health Service, Inc.
$272.47/mo
Ded: $10,600
Moda Select Idaho Bronze 10,000 + Vision Exam
Moda Health
$293.61/mo
Ded: $10,000
Moda Select Idaho Bronze 9200 + Vision Exam
Moda Health
$296.57/mo
Ded: $9,200
Mountain Health Cooperative LINK BRONZE
Mountain Health Cooperative
$307.98/mo
Ded: $10,600
St. Luke's St Luke's Health Plan Expanded Bronze
St. Luke's
$309.89/mo
Ded: $7,750
Average Premiums in Elmore
Avg Bronze Plan
$339/mo
27 plans
Avg Silver Plan
$467/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Elmore
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 27 | $8,000 | $5,000–$10,600 | $9,950 |
| Silver | 26 | $5,250 | $0–$8,000 | $9,200 |
| Gold | 10 | $2,000 | $1,100–$2,300 | $8,500 |
| Platinum | 1 | $500 | $500 | $1,500 |
| Catastrophic | 4 | $10,600 | $10,600 | $10,600 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Elmore County
At $23,940 a year (150% of the poverty level), a 40-year-old in Elmore County can get at least 4 Bronze plans for $0 a month after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $0 (4+ plans) | $40 or less |
| 40 | $0 (4+ plans) | $23 or less |
| 60 | $0 (4+ plans) | $0 (4+ plans) |
Medicaid: Idaho expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
2026 premiums in Elmore County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "Or less" and "+" are because the credit is based on the second-cheapest Silver plan and only the cheapest plans are counted, both of which can only make the real figure better. Federal credit only, non-smokers. Income limits · Calculate your own credit
Nearby Counties in Idaho
All Counties in Idaho
More Idaho Health Insurance Guides
Frequently asked questions about ACA insurance in Idaho
What is the health insurance marketplace in Idaho?
The Idaho (ID) health insurance marketplace is Your Health Idaho (https://www.yourhealthidaho.org/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 68 plans with live premium data. Open Enrollment runs October 15 through December 15.
How do I compare health insurance plans in Idaho?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Idaho start from $293.61/month before subsidies.
Which Medicaid plan is best in Idaho?
There is no single "best" Medicaid plan in Idaho. Medicaid is administered through MCOs such as Blue Cross of Idaho, Regence BlueShield of Idaho, PacificSource Health Plans. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$22,025/year for an individual) is separate from ACA Marketplace plans at Your Health Idaho. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Idaho?
Short-term health insurance is sold outside the ACA Marketplace in Idaho by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Your Health Idaho during Open Enrollment (October 15 to December 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in ID?
Health insurance in ID starts as low as $293.61/month for a 30-year-old on a Bronze plan before subsidies. Most Idaho residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.
What is the cheapest health insurance option in ID for 2027?
The cheapest ACA option in ID for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Idaho plans and prices at policymage.com/get-quotes.
How do I get health insurance in Idaho?
To get health insurance in Idaho, enroll in an ACA Marketplace plan through Your Health Idaho during Open Enrollment, which runs October 15 through December 15. Plans start at $293.61/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in Idaho?
There is no single best health insurance plan in Idaho; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 68 Idaho plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in Idaho per month?
Health insurance in Idaho starts at $293.61 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in Idaho?
Free or near-free coverage in Idaho comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for Idaho residents on lower incomes.
When does Open Enrollment end in Idaho for ACA plans?
Open Enrollment for Idaho residents runs from October 15 through December 15. Idaho runs its own exchange (Your Health Idaho), which set the December 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in Idaho?
Health insurance in Idaho starts as low as $293.61/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many Idaho residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Idaho use HealthCare.gov or its own state exchange?
Idaho runs its own state-based Marketplace called Your Health Idaho (https://www.yourhealthidaho.org/). You enroll there directly, not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Idaho, not the federal government.
Has Idaho expanded Medicaid under the ACA?
Yes. Idaho has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $22,025/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window; you can apply year-round.
What are the income limits for ACA subsidies in Idaho?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the Your Health Idaho subsidy calculator for your exact estimate.
What are the metal tiers in Idaho (Bronze, Silver, Gold, Platinum)?
Idaho ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Idaho?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Idaho through Your Health Idaho. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Idaho ACA plans cover dental and vision?
Idaho ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most Idaho plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Your Health Idaho or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Idaho?
Outside Open Enrollment, Idaho residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Your Health Idaho.
How do I find in-network doctors and hospitals in Idaho?
Each Idaho ACA plan has its own provider network. Before enrolling, look up the plan on Your Health Idaho, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Elmore
Enter your ZIP code, age, and income to see all plans available to you, with your actual subsidy applied, or see how Elmore compares to the Idaho state average.
Free · No account required · No broker fees
Plans shown based on input. Not insurance advice. Policymage is not a licensed broker or agent.