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Obamacare in Idaho

The Affordable Care Act (ACA), also known as Obamacare, has enrolled over 97,000 Idahoans in quality, competitive health insurance. Eighty-four percent of consumers qualified for a tax credit toward health insurance. Consumers, individuals and small businesses benefit not just from the increased coverage but also from the lower health care costs overall. Nationally, the ACA has enrolled 16.4 million consumers in the Health Insurance Marketplace. The Marketplace allows consumers to compare different health insurance coverage options. Obamacare expanded Medicaid coverage for consumers at or below 133 percent of the federal poverty level, as well. However, Idaho is one of 20 states that has chosen not to expand Medicaid. As a result, only 36,476 Idahoans gained coverage. It is estimated that another 55,000 Idahoans would benefit if Medicaid were expanded in the state. To learn more about the Affordable Care Act, view the topics listed below:

  • Did Idaho accept the Obamacare Medicaid Expansion?
  • Does the state or federal government run the health insurance exchange in Idaho?
  • Eligibility for Obamacare in Idaho
  • How to apply for Obamacare in Idaho
  • Health plan cost and availability in Idaho

Did Idaho accept the Obamacare Medicaid Expansion?

What is the Obamacare Medicaid Expansion? The Affordable Care Act offers each state the opportunity to insure more consumers by redefining the necessary qualifications. Obamacare expands Medicaid to anyone up to 133 percent of the federal poverty level. Twenty states have yet to accept the option for the Obamacare Medicaid Expansion, including Idaho. If Idaho were to accept the Affordable Care Act Medicaid expansion, it is estimated that an additional 55,000 Idahoans would receive health insurance coverage.

What is the expansion of Medicaid? The ACA Medicaid expansion rewrites the qualifications of the program to make it more accessible. Obamacare Medicaid expansion details redefine who meets the Obamacare Medicaid eligibility requirements. The ACA Medicaid expansion cost to states is covered completely by the federal government for the first three years, after which the federal government will cover 90 percent of the cost. Consumers can use a variety of methods to access an Obamacare Medicaid application, such as online, by phone, in person or by mail.

Does the state or federal government run the health insurance exchange in Idaho?

What is the health insurance exchange? The Obamacare health insurance exchange in Idaho allows consumers who qualify for Obamacare to compare plans from various participating providers in the Marketplace. What is the Marketplace for health insurance in ID? The Obamacare healthcare Marketplace is a pool of health insurance providers in each state. Health care providers participating in Obamacare in Idaho must abide by the same health insurance exchange regulations concerning payments, expenditures, eligibility and other rules. Currently, Idaho utilizes the federal platform for offering health care to its residents.

Eligibility for Obamacare in Idaho

What are the requirements to apply for Obamacare? There are many factors used to determine who is eligible for Obamacare. While Idaho has not opted to expand Medicaid, some Idahoans may still meet the Obamacare coverage eligibility requirements if their health coverage has lapsed due to conditions that allowed insurers to exclude or deny coverage. Idaho residents who are unable to find health insurance coverage because of preexisting medical conditions or because they have exhausted lifetime medical benefits can qualify for coverage provided that the Obamacare income requirements are met.  Idahoans wondering how to qualify for Obamacare may contact a Marketplace provider for information about events that can alter costs or tax credits, such as having a child, getting married or simply losing other health insurance.

How to Apply for Obamacare in Idaho

For residents wanting to know how to apply for Obamacare insurance in ID, there are multiple options for where to apply for Obamacare. Applicants can apply online, by phone, by mail and with in-person help. In-person assistance via trained professionals that aid in filling out an application are available to all ID residents.

What do I need to apply for Obamacare in Idaho? Applicants will need to provide a great deal of information during the application process, including the Social Security Numbers, recent tax information, current health insurance information, projected income and proof of residency or immigration status for all household members. Applicants wondering how to get Obamacare in ID must also learn about the available tax credits and other assistance options. To truly know what is needed to sign up for Obamacare, you must investigate the coverage, options and costs, all at once.

Can I apply online for Obamacare in ID? Yes. Open enrollment for Obamacare begins November 1 and applications completed by December 15 will start receiving coverage on January 1. The online application contains step-by-step instructions to assist the applicant.

Learning how to enroll in Obamacare in Idaho is not difficult, but many factors can be confusing. If the application process is too complicated, fill out an application by phone with assistance from the Marketplace Call Center or in person with a trained professional from the local community.

Health Plan Cost and Availability in Idaho

How much does Obamacare cost in Idaho? Total health care cost for an individual, family or small business varies greatly based on the type of coverage. Some coverage costs nothing to the beneficiary, including preventive care like flu shots, colonoscopy screenings, pap smears and mammograms. Regarding Obamacare health insurance price estimates in Idaho, preventive services have no co-pay or deductible. Prescription drug costs are also low. In 2014, over 18,000 Idaho seniors each saved an average of $775 dollars on prescription drug costs. Obamacare health insurance plans costs are difficult to estimate, in general, but online estimators can help anyone looking for health insurance coverage to determine their budget.

If you are wondering specifically, “How much will Obamacare insurance cost me?” bear in mind that Obamacare health insurance price estimates in Idaho will vary between providers and plans as each provider may offer multiple plans with differing coverage levels and costs. In Idaho, providers offer bronze, silver, gold and platinum packages with increasing premiums and actuarial values. A fifth plan, called the catastrophic plan, exists with high deductibles, essential benefits and low premiums but is only available for beneficiaries under 30 years old.