Idaho Health Insurance

The health insurance industry is undergoing a vast number of changes, many of which are supposed to transpire in the next few years. With so much unpredictability in the field, now is the time to be abreast of all that’s taking place both locally and nationally. Health insurance is something every American should intensely research and analyze to make sure they’re receiving the best rates and policies possible. The Simple Dollar has featured a variety of statistics, resources, and links below to provide you with insight on how to find reasonable health insurance policies in Idaho.

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Stats in Your State

Health insurance is a topic that comes up in both state and federal legislation. Many voters and legislators are concerned with what the future holds when it comes to health insurance. Indeed, health insurance is something that should concern all voters, as it’s set to change drastically in the coming years. To help readers gauge how Idaho health insurance policies and procedures compare to the rest of the U.S., The Simple Dollar has featured health insurance statistics from Idaho and the nation as a whole.

Chip Medicaid

Idaho has experienced nearly a 10% growth in the number of children enrolled in either CHIP or Medicaid. Although CHIP enrollment has dropped over a year period, Medicaid enrollment has increased significantly, thus producing the sizable growth in the two programs.

Individual Health Insurance Premiums

Idaho employees contribute nearly $900 a year to health insurance, which is significantly low compared to other states. In fact, most states have employees contributing over $1,000 a year in health insurance. Idaho employers, as a result, contribute more to health insurance premiums, at a rate of $3,669.

Family Health Insurance Premiums

When it comes to Average Family Premium per Employee for Employer Based Health Insurance, Idaho employees contribute an average of $3,996 a year. Compared to states like Florida ($4,562), Colorado ($4,646), and South Carolina ($4,736), this rate is reasonably low. Idaho employers also contribute a relatively low amount ($9,215) compared to other states.

SAHIE Health Insurance Uninsured

Though it is a resource every American is encouraged to have, health insurance has become a luxury to many due to its rising costs. According to the U.S. Census, over 1 million Idaho citizens went without health insurance from 2006 to 2010. Many are hoping the Affordable Health Care Act will help extend coverage to those who can’t afford coverage.

Rules in Your State

Health insurance rules, policies, and regulations vary by state. Without the right information at your disposal, it can be difficult to know where Idaho law stands in regard to health insurance. The Simple Dollar has featured some of the health insurance rules and regulations all Idahoans need to be aware of.

Idaho Statutes for Health Insurance

This resource breaks down the statutes regarding health insurance primarily in chapters 40 through 60. To find out more about issues like self-funded health care plans, Medicare supplement insurance, small employer insurance, and more, utilize the link above.

Health Insurance Legislative News/Laws/Rules/Bulletins

Health Insurance and Alcohol

Covers Losses Due to Intoxication: Yes

Health Insurance Parity for Alcohol-Related Treatment: No law

Representatives & Resources in Your State

Whether you have questions, concerns, or complaints about health insurance, it’s important to be able to contact and turn to the appropriate resources. Featured here are a selection of links you can use to better understand the health insurance industry in Idaho and the nation as a whole.

Idaho Department of Insurance
700 West State Street
P.O. Box 83720
Boise, ID 83720-004
Click here to file a complaint regarding an Idaho insurer or claim.
Director of the Department of Insurance

Health Insurance Availability in Idaho

Idaho Health Plan for Children
The Idaho Health Plan Coverage: (CHIP/Medicaid) provides affordable, sometimes free, health care coverage to eligible children.

Idaho Division of Human Resources
P.O. Box 83720
Boise, Idaho 83720-0066

HealthCare.gov
A website dedicated to health insurance resources that’s managed by the U.S. Department of Health & Human Services