Idaho Health Insurance (ID)
Idaho Health Insurance (ID)
Individual Health Insurance in Idaho (ID)
Individual health coverage follows different regulations in Idaho. You can be refused individual coverage by insurance companies because of a medical problem. They are allowed to look back at the previous six months before insurance coverage to determine pre-existing conditions. If one exists, the insurance company may place an exclusion on the condition for a limited time. If you have had continuous coverage without a break of more than 63 days, you will qualify for creditable coverage. Pregnancy can be considered a pre-existing condition in Idaho. Although there are no limitations placed on the cost of a policy, it cannot be cancelled due to your illness.
Group Health Insurance in Idaho (ID)
Idaho regulations provide that if you are eligible for group health insurance, you cannot be turned down or charged more because of a health problem. There are several life changes relating to family problems, children, marriage, and job changes that can affect your opportunities for group health also. A new employer can wait to offer health coverage. If you have a pre-existing condition, a new insurance company can review your medical records for the prior six months before coverage and apply an exclusion of that condition for only the first 12 months of the group plan. If you have maintained coverage of your pre-existing condition, without a break of more than 63 days, you are entitled to creditable coverage. A conversion policy is guaranteed if you lose your group health coverage.
Small Business Health Insurance in Idaho (ID)
Small businesses applying for small group health insurance cannot be turned down due to health factors within the employee group; it cannot be cancelled due to illness in your group; and the cost of the policy can only rise according to limited amounts, based on modified community rating.
Self-Employed Health Insurance in Idaho (ID)
The self-employed are not allowed to purchase group health coverage. Affiliation through a business or professional organization for the purpose of acquiring group insurance should be checked with the Idaho Department of Insurance for regulations.
Idaho Department of Insurance
700 West State Street
Boise, ID 83702
(208) 334-4250
www.doi.state.id.us
Idaho Programs (ID)
There is a High Risk Reinsurance Pool Plan in Idaho for those individuals who have been turned down for individual insurance. Medicaid is available for residents with low incomes in the state, as well as the Women’s Health Check Program.
