The Idaho health insurance exchange and several insurance companies have released monthly rates for insurance plans that will be sold on the exchange, Your Health Idaho.
The plans on the exchange will fall into four "metal" categories bronze, silver, gold and platinum that respectively cover 60, 70, 80 and 90 percent of health care expenses. There also will be some catastrophic plans offered.
Some benefits will be identical across the board for all plans in each category. Insurers now must cover certain preventive-care visits at no cost to the member, for example. But the plans in a category are not necessarily the same, and health care providers may not take all plans, so monthly premiums are just one factor to consider. Benefits will be outlined when people enroll on the insurance exchange.
A media representative for the exchange directed requests for all insurers' rates to the insurers themselves. But a press release from the exchange said premiums for a 31-year-old Treasure Valley resident will range from $160.41 to $336.
Individuals who earn up to 400 percent of the poverty line, where most of Idaho falls, can receive subsidies to buy insurance on the exchange. Those subsidies would lower the prices listed below. To find out how much assistance you might qualify for, click here to use a calculator.
These are bronze and silver rates for non-smokers age 21 and 40 in the Treasure Valley, based on insurers' own disclosures. We will update the chart as rates are made public:
|Health insurer||Age 21, bronze||Age 21, silver||Age 40, bronze||Age 40, silver|
|Blue Cross of Idaho||$138.40 to $152.89||$170.47 to $211.93||$176.88 to $195.39||$217.86 to $270.85|
|SelectHealth||$155.21 to $163.65||$180.55 to $189.52||$198.36 to $209.14||$230.74 to $242.21|
*affiliated with Regence BlueShield of Idaho