Health Insurance Carriers in Idaho (ID)
Review the information below to learn about Health Insurance options in the state of Idaho. Different rules, restrictions, and benefits apply to each state, and our research is summarized below. Choose from several recommended health insurance carriers on Idaho, compare plans.
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Health Insurance Providers in Idaho:
Assurant Health (Formerly Fortis)
Blue Cross of Idaho
Clarendon National
Security Life
Regence Blue Shield
Individual Health Insurance in Idaho
- Applicants can be refused coverage due to medical problems.
- Providers may review the six months previous to coverage in an effort to determine pre-existing conditions.
- If there is a pre-existing condition, the provider may place an exclusion period on the condition for a limited time.
- If continuous coverage is maintained without a break of more than 63 days, creditable coverage is available.
- Pregnancy can be classified as a pre-existing condition.
- There are no limits placed on the cost of a policy.
- Coverage may not be cancelled due to sickness.
Self-Employed Health Insurance in Idaho
- The self-employed may not buy group health coverage.
- Affiliation through a business or professional organization for the purpose of acquiring group insurance should be checked with the Idaho Department of Insurance.
Group Health Insurance in Idaho
- Eligible applicants cannot be turned down or charged more due to a health problem.
- Life changes related to family problems and job changes can affect opportunities for group health.
- Employers may wait to offer health coverage.
- If there is a pre-existing condition, a provider can review medical records for the six months prior to coverage and apply an exclusion period for the first 12 months.
- If coverage of a pre-existing condition was maintained without a break of more than 63 days, creditable coverage is available.
- A conversion policy is guaranteed to those who lose your group coverage.
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Small Business Health Insurance in Idaho
- Small businesses can not be denied group coverage due to health factors within the employee group.
- Coverage cannot be cancelled due to illness in the group.
- The cost of a policy can rise with limitations based on a modified community rating.
Idaho Health Care Programs
Idaho Department of Insurance
700 West State Street
Boise, ID 83702
(208) 334-4250
www.doi.state.id.us
The High Risk Reinsurance Pool Plan in Idaho, Medicaid, and Women’s Health Check Program for those who have been turned down for other insurance.
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