Individual Health

If you are looking for quality health insurance for you and your family, you have come to the right place.

Individual HealthOpen Enrollment has ended for 2018 but you still might be able to get coverage due to certain life events that can qualify you for a Special Enrollment Period. You must report, validate, and enroll in a plan within 60 days of your life event to qualify for a special enrollment period. What is a life event? Examples would be a loss of coverage, a change in your income and changes to your family size, such as; if you got married or had a baby.

Open enrollment for 2019 will begin on November 1, 2018, and will end on December 15, 2018.

Outside of open enrollment and special enrollment periods we can provide you with short-term insurance options.

FAQ

Wondering if there are different networks of providers?
Yes, there is. You will need to investigate your access to care, or you can give us a call and receive an overview of your different options.
How much will insurance cost me?
What you'll pay for health insurance depends on five things: 1. The level of coverage you choose 2. Whether you qualify for a subsidy 3. Where you live in Idaho 4. Your age 5. Whether you smoke or use tobacco
How do subsidies work?
If your household income is between 100% and 400% of the federal poverty level, you likely will qualify for a subsidy to help offset the cost of buying health insurance. The subsidy is paid to the health insurance carrier of your choice on a monthly basis. You do not pay the full premium and then get reimbursed.
What income is utilized to calculate the tax credit(subsidies)?
It is your modified adjusted gross income, which would include such items as, Wages, self-employment, tips, unemployment, social security, social security disability, retirement or pensions, alimony, rental income, and investment income. Subsidies are based on your expected household income for the year you want coverage, not last year’s income. You must make your best estimate so you qualify for the right amount of savings.
What will it cost me to use your services?
Nothing, our services are free.