Updated: January 26, 2026
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The most affordable health insurance options in Idaho are Select Health at $535 monthly, followed by Blue Cross Blue Shield at $549 and St. Luke's Health Plan at $553.
Our analysis shows Select Health is top in Idaho's health insurance market across PPO plans, while Regence is top for teens, young adults and seniors.
Idaho residents save $63 monthly by choosing Select Health, which offers the most affordable health insurance at $535 per month compared to the state average.
Blue Cross Blue Shield ranks second at $549 monthly, while St. Luke's Health Plan comes third at $553. However, Select Health's lower premiums come with higher deductibles and maximum out-of-pocket costs. For comprehensive comparisons, explore options for the cheapest health insurance nationwide.
| Select Health | $535 | $63 | $6,420 | $756 |
| Blue Cross Blue Shield | $549 | $49 | $6,588 | $588 |
| St. Luke's Health Plan | $553 | $45 | $6,636 | $540 |
| Molina Healthcare | $621 | $23 | $7,452 | $276 |
| Regence | $623 | $25 | $7,476 | $300 |
| Moda Health | $629 | $31 | $7,548 | $372 |
| Mountain Health Co-op | $634 | $36 | $7,608 | $432 |
| PacificSource | $636 | $38 | $7,632 | $456 |
*Average monthly costs represent the mean of all plan rates for each provider, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.
Average Monthly Rate
Average MOOP
Average Deductible
When searching for the best health insurance provider, personal rates depend on factors such as age, plan type and metal tier selection. You should consider how monthly premiums balance against deductibles and out-of-pocket limits.
Select Health provides the most affordable rates across most demographics in Idaho. These lower premiums come with higher deductibles and maximum out-of-pocket costs.
| Teens | Regence | $358 | $4,297 | $10,150 | $6,100 |
| Young Adults | Regence | $402 | $4,819 | $10,150 | $6,100 |
| With Health Savings Account Eligibility | Regence | $481 | $5,774 | $10,150 | $6,500 |
| Adults | Regence | $503 | $6,041 | $10,150 | $6,056 |
| POS | Regence | $503 | $6,041 | $10,150 | $6,056 |
| HMO | Molina Healthcare | $520 | $6,241 | $9,280 | $6,250 |
| PPO | Select Health | $552 | $6,630 | $9,900 | $3,000 |
| Seniors | Regence | $1,064 | $12,772 | $10,150 | $6,100 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
For 40-year-olds in Idaho, St. Luke's Health Plan offers the lowest-cost Expanded Bronze coverage at $349 monthly, while Regence has the cheapest Bronze at $380 per month and Silver at $481 monthly. Select Health provides Gold plans at $532 per month with a $1,000 deductible.
| Expanded Bronze | St. Luke's Health Plan | $349 | $4,187 | $10,150 | $7,750 |
| Bronze | Regence | $380 | $4,558 | $9,833 | $8,000 |
| Silver | Regence | $481 | $5,774 | $10,150 | $6,500 |
| Gold | Select Health | $532 | $6,389 | $9,900 | $1,000 |
| Platinum | Mountain Health Co-op | $658 | $7,893 | $1,500 | $500 |
Our comprehensive Idaho data allows you to narrow choices by your specific situation and budget.
We compiled Idaho health insurance information so you can identify plans that fit your financial situation and healthcare requirements.
| Molina Healthcare | Molina Silver Saver 70 with Four Free PCP Visits | $509 | HMO | Silver | $10,150 | $7,000 | 40 | No |
| Molina Healthcare | Molina Silver Core 70 | $513 | HMO | Silver | $8,990 | $6,000 | 40 | No |
| Molina Healthcare | Molina Silver Core 70 Plus with Adult Vision | $518 | HMO | Silver | $8,990 | $6,000 | 40 | No |
| Molina Healthcare | Molina Silver Core 70 Plus with Adult Dental and Vision | $541 | HMO | Silver | $8,990 | $6,000 | 40 | No |
The following tips will help you find low-cost coverage that fits your budget.
While Bronze plans have lower monthly premiums, they often cost more when you need care. Gold and Silver plans frequently offer better value through reduced deductibles and out-of-pocket expenses, making them smarter choices if you visit doctors regularly or take medications.
Review last year's health care expenses to guide your choice. If you spent $400 on three doctor visits and lab work, a high-deductible plan with a $7,000 deductible could save $120 monthly versus a Gold plan.
HMO plans deliver premium savings compared to PPO coverage in Idaho. While you must use network providers, the monthly savings can reach hundreds of dollars if you're willing to accept network limitations.
Premium tax credits through the Health Insurance Marketplace reduce monthly costs based on household income. Families earning up to four times the federal poverty level may qualify, so check your eligibility before buying coverage.
Open enrollment provides access to all available plans at standard rates. Missing this period restricts your options until next year unless you experience a qualified life event like marriage or job loss.
Confirm your preferred doctors and hospitals accept your chosen plan. Network restrictions vary between insurers in Idaho, and seeing out-of-network providers can double your costs even with coverage.
For Idaho residents, Select Health provides the most affordable rates across coverage tiers. Both Blue Cross Blue Shield and St. Luke's Health Plan are in the top three with competitive pricing. Your optimal rate comes from comparing different plan types and metal levels from several companies.
Find answers to the most common health insurance questions for Idaho residents:
During open enrollment, compare plans across metal tiers from affordable providers like Select Health, Blue Cross Blue Shield and St. Luke's Health Plan. Check eligibility for premium tax credits through the marketplace. Consider HMO plans for lower monthly costs while balancing premiums against deductibles.
In Idaho, health insurance averages $581 monthly or $6,979 annually across all plan types and metal levels. Monthly premiums span from $152 to $1,508 varying by age, chosen coverage tier and plan type.
Idaho does not require residents to have health insurance, and the federal individual mandate penalty was eliminated in 2019. Going without coverage means you'll pay all medical costs out-of-pocket and can only enroll during open enrollment or qualifying life events.
We gathered plan information from Your Health Idaho for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. The cheapest overall rankings focus on 40-year-olds' monthly premiums, as this age group is the most common demographically and provides a clear comparison. Age-specific rankings use their respective premium costs. Cheaper monthly premiums mean higher deductibles and out-of-pocket maximums when you need care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
