Idaho Health Insurance
The main health insurance carrier in Idaho is Blue Cross Blue Shield.
Idaho created the individual health insurance availability act to ensure that all residents are eligible for coverage. Benefits are available regardless of health status and claims experience.
Eligible residents include people under the age of sixty-five who are ineligible for a group plan offered by an employer, medicare, or medicaid.
There are also four high risk reinsurance pool plans. These plans are for residents who were turned down for health insurance coverage. There are four categories available, Basic, Standard, Catastrophic A, and Catastrophic B.
Individuals who have recently lost Cobra coverage may be eligible for a HIPAA conversion plan. This conversion allows consumers recently on Cobra to acquire an individual health insurance plan and waives all pre existing conditions. It is usually called a guaranteed issue plan.
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