Frequently Asked Questions About Health Insurance In Idaho

FAQ About Idaho Health Insurance

• What is Your Health Idaho?

It is also known as Idaho Health Insurance Exchange it is an online marketplace for the U.S. state of Idaho. Making  Idaho families and small businesses to purchase, compare and choose health insurance coverage at federally subsidized rates.

• Who is qualified for coverage through Your Health Insurance?

To enroll on Your Health Idaho plans a person must be:

• A US citizen or National. Or if you’re not a US citizen, a person must be lawfully present in the country for an entire-time to plan to have health insurance.
• Lived in the U.S. and have a primary residence in Idaho.
• Considered a resident in the U.S. and Idaho tax-purposes.
• And you cannot be incarcerated or imprisoned.

• Where can I shop for Idaho plans?

At Your Health Idaho, you can shop and compare different coverage and plans side-by-side on just one website. This will determine where the right coverage is and if it’s suited to your budget.

• How to apply for coverage?

An individual can create an account and set up the following information to shop for plans and purchase coverage online. Or if you have no computer you can call their phone number and request a paper application.

• Can I still enroll even if it is not an Open Enrollment Period?

There are certain situations where you can apply for insurance even though it is not Open Enrollment, this is called the Special Enrollment Period (SEP). This allows a certain individual to apply for new health insurance. But there are 60 days to complete certain documents to get eligible for this period.

• Where can I ask for help?

Consumer Connectors are available across the State of Idaho providing free-assistance to everyone. The agents, brokers, and other counselors are certified by Your Health Idaho. They have the knowledge and expertise at navigating the application and giving the available coverage that is right for your family.

• What are the benefits covered on health insurance plans in Idaho?

Health Insurance plans in Idaho are covered ten essential health benefits such as:

• Doctor visits
• Hospitalization
• Emergency services
• Mental health and substance abuse services
• Rehabilitative and habilitative services (like chronic disease management)
• Maternity and newborn care
• Laboratory tests
• Medicine and drug prescription
• Preventive wellness and screenings
• Pediatric care (includes oral and vision health)

In Your Health Idaho, all plans are offered to meet the high standard of state and federal requirements.

• Can the individual with pre-existing conditions be denied in having health insurance? Or do they have to pay higher than the average?

All plans must cover treatment even for pre-existing medical conditions. No insurance company can reject you. Or even charge you more. Once you’re enrolled, the plan can’t deny your coverage or raise your monthly premiums based on your medical conditions.

• What are APTC and CSR?

Advance Premium Tax Credit or APTC is a form of tax credit that can be applied through your monthly premiums, this will help lower the cost of your coverage. Cost-sharing reductions or CSR is a discount that helps lower the amount you pay for out-of-pocket things like, deductibles, co-insurance, and co-payments.

• Can I still qualify for a tax credit even if I never filed income taxes before?

Yes. You can still receive tax credit even though you have never filed income taxes before. However, if you apply and are approved to receive the tax credit, you must file a tax return for that plan year.

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