Your Health Idaho, sometimes referred to as the Idaho Health Insurance Exchange, is actually the main health care market for the U.S state of Idaho. Like many other states, Idaho also has a Health Insurance Rate Authority that caps the rates companies can charge for individual health plans. The exchange allows small businesses and individuals to buy health insurance at federal subsidized rates, which often includes emergency care benefits. For residents of Idaho who cannot get insurance through their workplace or family health plan, private health insurers are required to participate in the IDaho Health Insurance Rate Authority, and provide insurance quotes on the state’s Health Insurance Exchanges.
One way to compare rates and options for health coverage in Idaho is to go online to an independent health insurance quote web site. Here you’ll find an alphabetical listing of companies that offer health coverage in Idaho, along with their phone numbers and websites. You’ll then be able to enter your information, including your birth date, gender, and insurance type, and get back quotes from as many insurers as you choose. No insurance company will be able to ask you a sensitive, personal question, such as your race or health history, during the process, so this is one of the most private health insurance rates you’ll likely see. This makes it easy for anyone to compare rates and choose an insurer who will meet their needs.
Even if you already have health coverage, it’s a good idea to periodically check your policy. In addition to comparing your rates with those of other consumers in Idaho, you may want to consider making a few changes to your current plan. If your employer provides a group health plan, you may qualify for a discount on your monthly health care premiums. Or perhaps you can eliminate part of your dental or vision coverage. When you make these changes, your monthly health insurance rate goes up, but you’re still getting quality health coverage, and you don’t have to worry about whether you’re paying too much.