Must meet income guidelinesby 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 15 – December 15 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?
Create Your Health Idaho account
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.
Provide documentation showing you qualify for the special enrollment period. If signing up during Special Enrollment Period, you will need documentation.
Enroll in a plan.
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
High Out of Pocket Maximums
HSA plans available
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.
Can have lower out of pocket maximums
Generally have lower member coinsurance
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.
Agents are trained by each health insurance carrier to know their plans and networks.
Agents are trained with Your Health Idaho to understand and explain the Advanced Premium Tax Credit.
Agents work for the member not for the insurance company.
When there is a problem, an agent can help navigate to a good solution.
Agents can help you understand all of the options you have.
There is no cost to you to use an agent.
Experts in Medicare
Trusted. Local. Experienced.
What Our Clients Say
Some kind words from our respected clients
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.
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.
“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!
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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.