Things to consider when shopping for a plan

  • APTC (Advanced Premium Tax Credit)
    • Are you eligible for the tax credit?
    • What is your family size and annual adjusted gross income?
    • How do I apply for the APTC?
  • Were do I go to shop for plans?
    • You can shop for your own plans, you are not required to go through a broker. However, using an experience broker like Health Coverage Idaho shortens your research time and frustration and allows you to have the peace of mind that you are making the best decision for your family.
    • A basic shop of plans require:
      • Zip Code Birth
      • Dates of each person wanting coverage
      • Estimated Annual Adjusted Gross income (estimate of premiums should you be eligible for the APTC)  
    • An average of 60+ plans available will be displayed. We can compare plans for you to find the one that best fits you and your family.
  • Deductibles, Max out-of-pocket, co-pays
    • Understand the terms used when shopping for your plan.
    • The lowest premium does NOT necessarily mean it is the cheapest.
  • Open Enrollment
    • Open Enrollment is from November 1st to December 15th, 2017.
    • During this time, you can enroll in a plan or change your current plan. The plan will have a start date of 1/1/2018.
  • Special Enrollment
    • Special Enrollment is anytime during the year that you have an eligible life-changing event.
    • Examples of life-changing events:
      • Loss credible health insurance from employer 
      • Recently moved to Idaho
      •  Call us to find out about whether you qualify for special enrollment.
  • Can't I do this myself?
    • Yes, but it's time consuming and there's a lot of conflicting information on the internet. While, technology has created an environment that allows consumers to shop for anything and everything on-line, it doesn't help you in the decision making process. By using our services, we can eliminate the confusion and time commitment in making this decision.
  • Premiums aren't Everything
    • I enrolled myself in the least expensive plan I could find and it doesn’t pay for anything.  
      • Understand that a lower premium typically means higher deductibles, you pay for all services until the deductible is met.
    • I want a plan with a lower deductible.
      • Lower deductibles usually come with higher premiums.
      • Remember, it is not your goal to meet the deductible or the max out-of-pocket. It is more important to understand the value you are getting for your premium and what you will pay as you use the services.

Where to Start

With technology, most consumers start by “Googling” health insurance. This can be helpful or it can be even more confusing. Your best resource is to work with a health insurance broker. Brokers are licensed and must re-certify with the insurance carriers each year.

We're there for you to find a plan that best suits your needs and lifestyle.