Idaho Health Insurance

With the fact that many of today’s businesses no longer offer health insurance to employees, individuals in Idaho are suddenly finding themselves let go from jobs that offered group health insurance. As an Idaho resident, individual health insurance is an affordable option you should consider. Your ability to buy individual health coverage may depend on your health status, depending on the carrier you choose. There are certain circumstances, however, when you must be allowed to buy individual health coverage. In general, companies that sell individual health insurance in Idaho are free to turn you down because of your health status and other factors.

As businesses relocate from the state, Idaho employers are escalating the monthly costs for group coverage, if it exists at all. This is resulting in a growing number of employers in Idaho considering either dropping group coverage. Individual coverage is becoming a more attractive option for individuals and families who need affordable healthcare. In response, major insurance carriers are now offering a new line-up of individual policies that weren’t available before healthcare reform bills began circulating in Congress.

Choosing quality, affordable health insurance in Idaho can seem difficult first. With an increasing number of options and providers offering new products, it’s important to carefully compare policies and choose the one that is best for you and your family’s needs.

Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person since the financial risk to the insurer is spread between all the family members in the plan. A family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.

Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Affordable short term health insurance in Idaho is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year.

A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap and protect you from major medical expenses until you’re able to join a group plan with your employer.

Student insurance is often overlooked until a major medical catastrophe affects the college-bound child in the family. Since minor children are typically covered under a family health insurance policy, many parents assume that their coverage will follow their college-bound child with them to school.

But many colleges and universities require proof of health insurance for students; even if yours does not, student health insurance will probably end up paying for itself. While your college-bound student may be young and healthy now, sudden illness and accidents can happen. The financial impact of an accident or medical complication while uninsured and in college can result in significant medical debt in addition to student loans!