Before subsidies, the average benchmark silver plan for a 40-year-old in Idaho costs $553 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. The rest of this page covers your coverage options in Boise, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Boise
Licensed agents can compare plans available in Ada County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Boise, ID
| Where to enroll | Your Health Idaho |
|---|---|
| Average benchmark silver, age 40 (2027) | $553/mo before subsidies |
| Marketplace insurers in Idaho (2027) | 7 |
| Medicaid expansion | Yes |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local health care in Boise
- Boise has two main hospital networks worth checking before you pick a plan: St. Luke's (St. Luke's Boise Medical Center and St. Luke's Children's Hospital) and Saint Alphonsus (Saint Alphonsus Regional Medical Center). Source
- Saint Alphonsus Regional Medical Center is the Saint Alphonsus system's flagship hospital in Boise. Source
- Public health in Boise and Ada County is handled by Central District Health, a regional Idaho health district that also offers primary care and health screenings. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Before you call an agent
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
- Ask each agent which carriers they can quote in your county.
- Have a realistic estimate of next year's household income; subsidies are based on it.
Free enrollment help in Idaho
Your Health Idaho Enrollment Counselors and certified agents/brokers give free, confidential help choosing plans, completing forms and applying for tax credits. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in Idaho?
For 2027, marketplace plans in Idaho come from 7 insurers: Blue Cross of Idaho, Regence BlueShield of Idaho, SelectHealth, St. Luke's Health Plan, Mountain Health CO-OP, Moda Health and Molina Healthcare of Utah. Not every insurer sells in every county.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Idaho Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Where can I buy health insurance in Boise?
Through the Your Health Idaho, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- Garden City, ID 4 miles
- Meridian, ID 8 miles
- Eagle, ID 11 miles
- Kuna, ID 11 miles
- Star, ID 15 miles
- Nampa, ID 17 miles
- Middleton, ID 21 miles
- Caldwell, ID 22 miles
- Emmett, ID 23 miles
- Mountain Home, ID 42 miles