Idaho

Written By Jerdon Johnston

Citizen Guide: Understanding Your Healthcare Options in Idaho

Navigating healthcare in Idaho can feel overwhelming, but there are several programs to help residents access quality care. Whether you’re uninsured, underinsured, or looking for assistance with medical costs, this guide outlines key options available.

Who Needs This Guide?

  • You are uninsured or struggling to afford health insurance.

  • You want to explore your healthcare coverage options in Idaho.

  • You need financial assistance for medical costs.

  • You want to maximize the benefits of your current healthcare plan.

Key Healthcare Programs in Idaho

1. Medicaid & CHIP

  • Who Qualifies? Low-income individuals, families, pregnant women, children, and people with disabilities.

  • What It Covers? Doctor visits, hospital care, prescriptions, preventive services, and more.

  • How to Apply? Visit Idaho's Medicaid website or apply through the federal marketplace.

2. Affordable Care Act (ACA) Plans

  • Who Qualifies? Anyone who doesn’t get insurance through an employer, Medicare, or Medicaid.

  • What It Covers? Comprehensive health coverage, including preventive care, emergency services, and mental health care.

  • How to Apply? Visit Your Health Idaho, the state's official health insurance marketplace.

3. Medicare

  • Who Qualifies? Individuals 65+ or those with certain disabilities.

  • What It Covers? Hospital stays (Part A), doctor visits (Part B), and optional prescription drug coverage (Part D).

  • How to Apply? Visit Medicare.gov.

4. Employer-Sponsored Health Insurance

  • Many employers offer group health insurance plans, often covering part of the premium. If you have a job, check with your employer about available health benefits.

  • COBRA may be available if you recently lost job-based insurance.

5. Short-Term & Supplemental Health Plans

These plans provide temporary coverage or fill gaps in traditional insurance. Options include:

  • Short-term health plans for temporary needs.

  • Accident or critical illness insurance to help cover unexpected medical expenses.

Financial Assistance Programs

  • Premium Tax Credits – Reduce the cost of ACA marketplace plans.

  • Cost-Sharing Reductions – Lower out-of-pocket costs for qualifying individuals.

  • State-Specific Assistance Programs – Idaho may offer additional subsidies or programs.

Where to Get Help

  • Your Health Idaho – Compare and enroll in ACA plans.

  • Idaho Medicaid Office – Apply for Medicaid or CHIP.

  • Local Community Health Centers – Get low-cost or free healthcare services.

  • Tsunami Advisors – Personalized guidance to find the best plan for your needs.

➡ Need Help? Schedule a free consultation with a Tsunami Advisor today at Tsunami Health or call 801-382-8576.

 
Jerdon Johnston