Great selection of affordable individual plans for you, your children or your family with quick online quotes and convenient timesaving plan comparisons.

We are ready to help or you can do it yourself. You choose.

Charlotte is our primary Idaho agent and is responsible for all Idaho business.

Call Charlotte at 1–888–957–5001 or Email her for all of your Idaho health insurance needs.

If she is busy or not available, we have plenty of other agents to help you out.

Idaho Standard Forms

Application Cover Sheet     Application

Department of Health and Welfare

If you have a low income, you may qualify for help paying premiums.

Children's Access Card

The Access Card helps families buy health insurance for qualifying children.
Access to Health Insurance (AHI) – Access to Health Insurance (AHI) helps employees of small businesses and their families enroll in employer–sponsored insurance.

Check to see if you qualify for help paying premiums if you have a low income

Idaho Department of Insurance

If you have been turned down, you may have a guaranteed option.

The Idaho Department of Insurance HRP Plans –

Idaho residents may be eligible for the HRP Plans regardless of health status or claims experience. Current quotes can be obtained above using the Check Prices – Compare Plans button.

Additional Information

Health Savings Accounts – HSA Plans

For Temporary Coverage while Your
Application is being Processed

Have an Individual Health Insurance question?

General Information

Shopping for Health Insurance

Knowledge of Individual Plans

A Word About Health Insurance Costs

Save Money on Prescriptions

Individual health insurance in Idaho is also referred to as individual health care, personal health insurance, personal medical insurance, private health insurance, comprehensive health coverage, major medical insurance, and family insurance. Family insurance is simply an individual policy with more than one insured member of the family included in the application and coverage. Health Savings Accounts (HSA) are available for.

Individual healthcare policies can also be used for self–employed individuals in ID. You would still be considered as covered for business purposes and your premium would normally be a deductible business expense on your income tax return. Always check with your accountant on tax issues.

Individual Idaho Health Insurance plans are available is several designs and deductibles allowing you to choose options to keep your plan affordable. While not low cost, the number of choices allows you to select plans to keep your cost low as a trade-off for other benefits. Remember that premiums are driven by the cost of medical care in the geographic area in which you live as well as your health and your age.

There are limits on pre-existing condition exclusion periods that can be imposed. If you have been uninsured for more than 63 days before your individual health insurance becomes effective, you may face a 12-month pre-existing condition exclusion period. Underwriting guidelines can be different from one insurance company to another. The insurance company, if they elect to insure you, may impose an elimination rider(s). This would exclude paying benefits on any pre-existing medical condition that disclosed in this rider. Insurance laws in the State of Idaho provide for a 12 month exclusionary period limit for pre-existing conditions. Credit for prior creditable coverage is required. Premium rates vary depending upon plan type, age and gender and use of tobacco.

Newborns and adopted children are automatically included under a parent’s individual insurance policy for the first 60 days. Unmarried children under age 25 who receive more than half of their financial support from their parents can continue coverage on their parent’s policy. Medically certified handicapped dependents are allowed coverage under a parent's individual health plan with no age restrictions.

Generally if you purchase a policy that costs less in monthly premium, you will usually end up paying a greater share of the medical expenses when you are sick or hurt. Your coverage cannot be canceled because you get sick. This is called guaranteed renewability. You have this protection as long as you pay the premiums and do not defraud the company. In the case of managed care plans, you must continue to live in a managed care plan’s service area. However, your health coverage may be canceled if the insurer does not continue to offer the coverage for all policyholders.

If you do not find the information you need here, please use the "Have Us Help You Decide" Button at the top of this page to let us know.

First Choice Health Insurance as your agent:

• Our job is to keep you informed and to help you if you want us to.
• We will keep you apprised of current pricing, benefit changes, and other issues that affect your policy.
• Each year at your renewal, or as you desire, we can compare your renewal rates and benefits with those of other companies.
• We can assist you with service, billing, and claims resolution.
• We will do our best to answer any other questions you may have.

If you do not find the information you need here, please use the "Have Us Help You Decide" button at the top of this page to let us know.