In Idaho, there are several types of health insurance options available to individuals and families. Here are some of the main types:

Medicaid: Medicaid is a joint federal and state program that provides health insurance coverage for low-income individuals and families. Eligibility for Medicaid is based on income and other factors. In Idaho, the Medicaid program is called Idaho Medicaid and is administered by the Idaho Department of Health and Welfare.  In Idaho a there is a  pathway for children to get Medicaid that they may not be normally qualified for via the Katie Beckett pathway. 

Employer-Sponsored Health Insurance: Many employers in Idaho offer health insurance coverage as part of their employee benefits package. These plans are typically group plans that provide coverage for employees and their dependents. The cost of the premiums is often shared between the employer and the employee.

Individual Health Insurance: Individuals who do not have access to employer-sponsored coverage or who are self-employed can purchase individual health insurance plans. These plans are purchased directly from insurance companies or through the Idaho health insurance marketplace. They provide coverage for individuals and their families.

Medicare: Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger individuals with disabilities. It is divided into several parts, including Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage plans), and Part D (prescription drug coverage). Medicare is administered by the Centers for Medicare & Medicaid Services (CMS).

Short-Term Health Insurance: Short-term health insurance plans are temporary plans that provide coverage for a limited period, typically up to 12 months. These plans are designed to bridge gaps in coverage, such as during a job transition or waiting for other coverage to begin. They often have lower premiums but may offer less comprehensive coverage compared to other plans.

Catastrophic Health Insurance: Catastrophic health insurance plans are designed to provide coverage for major medical expenses in the event of a serious illness or injury. These plans typically have lower monthly premiums but higher deductibles and out-of-pocket costs. They are available to individuals under the age of 30 or those who qualify for a hardship exemption.

It’s important to note that the availability and specific details of these health insurance types may vary depending on the insurance provider and individual circumstances. It’s recommended to contact insurance companies, brokers, or the Idaho Department of Insurance for more detailed information on the available health insurance options in Idaho.