Idaho Individual & Family health insurance
We've got plans for you!
For more than 70 years, Moda Health has helped individuals and families access high-quality health insurance in the Pacific Northwest. Our Idaho health plans are designed to support better health, improve access to care and help build healthier communities across the state.
Our individual and family health insurance plans provide comprehensive coverage, expert guidance, responsive customer service and valuable wellness programs. From preventive care and health management tools to personalized member support, we offer the resources and benefits to help you make informed healthcare decisions and get the most value from your health coverage.
When you choose one of our Idaho health insurance plans, you can count on trusted coverage, local support and a commitment to helping you achieve better health and overall wellness.Idaho Open Enrollment Period.
Open Enrollment for 2027 Individual & Family health plans will run from October 15 through December 15, 2026, Enroll by December 15, 2026 for coverage effective January 1, 2027. If you miss Open Enrollment, you may still qualify for a Special Enrollment Period if you experience a qualifying life event, such as losing health coverage, getting married, having or adopting a child, or moving to a new service area.
Moda Select Network
Our individual medical plans give you access to providers in the Moda Select Network. This network includes a group of licensed medical professionals, clinics, pharmacies, labs and hospitals in Idaho. These providers offer quality care and services to our Individual members.
The Moda Select Network covers members residing in the following counties: Ada, Adams, Bannock, Bear Lake, Benewah, Bingham, Boise, Bonner, Bonneville, Boundary, Canyon, Caribou, Cassia, Clearwater, Elmore, Franklin, Fremont, Gem, Idaho, Jefferson, Kootenai, Latah, Lewis, Madison, Minidoka, Nez Perce, Oneida, Owyhee, Payette, Power, Shoshone, Teton, and Washington.
Moda Select Network
Featured health systems in the Moda Select Network
You’ll receive the best care and value when you choose healthcare providers and services from providers in the Moda Select Network, giving you access to trusted health partners in your area.
Treasure Valley
South Central Idaho
Southeast Idaho
Eastern Idaho
North Idaho
In-network providers
With the Moda Select Network, we’ve carefully selected a community of primary care providers (PCPs) and specialists to ensure you have better value and better care on your journey to better health.
You will want to review the providers that are in-network for the year that your plan will be effective.
See if your provider is in the 2027 Moda Select Network
Pharmacy benefits
The Navitus Network includes most independent pharmacies and all major chains, giving you convenient access to prescription medications in Idaho and across the country.
- Carrs
- Costco
- CVS
- Fred Meyer
- Walgreens
- Walmart
Locate a pharmacy in the Navitus Network
Travel with peace of mind
Our medical plans ensure you are covered when you travel anywhere in the United States and U.S. territories.
Care when outside of Idaho
When you’re traveling outside of Idaho, you’ll get full-service medical care with in-network benefits through:
Moda Select service areas
Aetna® PPO Network through Aetna Signature Administrators® nationwide. This includes service areas outside the Moda Select Network.
To get started go to modahealth.com/find-care and select your network.
Need vision coverage?
Looking for an affordable vision plan you can buy on your own? Our partner, VSP®, has you covered. Get individual vision coverage anytime, anywhere. You’ll enjoy:
- A full-service eye exam every year
- Generous frame allowance
- Lens upgrades like progressives
- Flexible payment options
- And more
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Enrollment type |
Enrollment dates |
Info |
|---|---|---|
|
Pre-shop |
Oct. 1, 2026 to Oct. 14, 2026 |
Browse plan details in advance of open enrollment. |
|
Open Enrollment |
Oct. 15, 2026 to Dec. 15, 2026 |
To change your medical plan outside of these dates, you’ll have to qualify for Special Enrollment. |
|
Special Enrollment |
Anytime depending on qualifying event(s) |
Certain life events might qualify you for Special Enrollment. This means you can enroll in a health plan outside of the annual Open Enrollment period. Here are a few of the qualifying events that could make you or those you cover eligible: |
Additional Resources
Are you eligible for subsidies?
Visit the Your Health Idaho website to see if you qualify for lower cost premiums. We want to make sure you have all the information to help you make the best choice for you. You can visit the Your Health Idaho website to get the most up-to-date information on 2027 subsidies. If you do enroll on the exchange, consider a Moda plan. If you do not qualify for financial assistance, please return here to enroll directly.
Go to the Your Health Idaho website to see if you qualify for lower cost premiums.