Get the right health insurance coverage

We’re here to serve you and navigate your options so you can find the best coverage for unique situation—in fact, our motto is to “Help other people at all times.”

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Health Insurance Hero
Get health insurance coverage through the exchange before the 2024 deadline.
Enroll by December 15th
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Insurance solutions for your unique needs.

Get a health insurance plan through the exchange. Use an agent for free to evaluate your options.

Request a Consultation

Don’t qualify & need other options outside the exchange? Our licensed experts can help you navigate your options.

Request a Consultation

65 or older? We’ll help you find the right Medicare plan and explore brand new options for residents in Southeast Idaho.

Learn more about Medicare

Understanding The Advanced Premium Tax Credit

Who Qualifies?

To qualify, you must meet the following criteria:

  • Must have legal presence in United States
  • Must meet income guidelines by being above 138% of Federal Poverty level and the cost of the second lowest silver plan must be more than 8.5% of income.

  • Must file taxes with IRS and must file jointly if married
  • Cannot be enrolled in other qualified health coverage including employer coverage

When is the enrollment period?

Open Enrollment runs from October 15th – December 15th each year

Special Enrollment Periods generally last for 60 days and begin on the date of change:

  • You get married.

  • Your family size increases from having a baby or adpoting.

  • You move to Idaho and you had insurance where you moved from.

  • You are newly eligible and have income between 138% and 150% of Federal Poverty Level.

  • You haev a loss of other minimal essential coverage including Medicaid.

What are the steps to get coverage?

  1. Create Your Health Idaho account
  2. Complete application on Your Health Idaho. You will need to indicate your adjusted gross income for the year and may need documentation to prove your income.
  3. Provide documentation showing you qualify for the special enrollment period. If signing up during Special Enrollment Period, you will need documentation.
  4. Enroll in a plan.
  5. Make your first payment. In order for the policy to be active you must make the first payment known as a binder payment

Types of coverage

  1. Bronze Plans
    • High Deductibles
    • High Out of Pocket Maximums
    • HSA plans available
    • Lower premiums
  2. Silver Plans
    • Lower deductibles than Bronze plans (You can also qualify for cost sharing which lowers your copays, deductibles and out of pocket maximum, depending on income.)
    • Can have more benefits prior to reaching deductible
    • Higher premiums than Bronze plans.
  3. Gold Plans
    • Lower deductibles
    • Can have lower out of pocket maximums
    • Generally have lower member coinsurance
    • Higher premiums

What to do after you enroll

  • Make your first payment.
  • Make sure you receive your member cards.
  • If you have any changes in income, household size, address or if you go to jail, report it.
  • When you get a notice from either the insurance company or Your Health Idaho, talk to your agent to make sure everything is still in good standing.
  • Any phone or email solicitations, contact your agent.

What to expect after enrollment

  • Receive a confirmation email from Parker Insurance stating your plan and your premium.
  • Receive information regarding your plan from the carrier within 10 business days.
  • Receive notices from Your Health Idaho regarding any changes to your plan or Advanced Premium Tax Credit.

Advantages to Using a Licensed Agent

There are many advantages to using an agent.

Experts in Medicare

Trusted. Local. Experienced.

What Our Clients Say

Some kind words from our respected clients

Katrena Orme

Katrena Orme

“Grateful”

I am so grateful to Parker Insurance and their entire staff for the knowledge, professionalism, and care they have shown my parents and the peace of mind it gives me to know they can help when needed.

LeAnn Dow

LeAnn Dow

“Highly recommend!”

Martin Martinez took great care of us. He helped us find a plan that works for us and we are no longer paying enormous monthly bills. I recommend to anyone that is looking for better options to go to Parker Insurance.

Jayci Orme

Jayci Orme

“Fast & Kind”

I didn’t even know where to begin when I came off my parents insurance. Parker insurance is fast, kind, and willing to meet every need! I am grateful for all the staff, who provided my family with amazing coverage!

Providers

An extensive network of insurance providers and partners you can lean on.

Symetra
Tall-Tree
Transamerica
Starmark
SBLI
Prudential
Protective
Principal-Financial-Grou
Penn-Mutual
One-America
North-American-Company
New-York-Life
Nationwide
National-Life-Group
Mutual-Trust
Mutual-of-Omaha
Minnesota-Life
Metlife
Mass-Mutual
Lincoln-Financial-Group
Legal-General
Lafayette-Life-Insurance
John-Hancock
ING
IHC-Group
Genworth-Financial
Fidelity-Life
Foresters
AXA
Aviva
Ameritas
American-National
American-General
Allianz

Talk to an Expert

Get a free quote & consultation with a licensed insurance expert from our team. There is no cost to you to work with an agent. We’ll help you find the best plan for your circumstance.

Office

12 W Main St #5, Rexburg, ID 83440

Contact

Hours

Mon – Fri. 9 a.m. to 5 p.m.

Team Group