Idaho

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Idaho is unique among the 50 U.S. states + DC this year in that it's the only one whose ACA exchange ended their 2022 Open Enrollment Period (OEP) before the official January 15th final deadline set by the Biden Administration.

Your Health Idaho was originally going to stick with December 15th as their final Open Enrollment deadline (most states made 12/15 the deadline for January coverage, but are giving residents until 1/15 to enroll for coverage starting in February). They ended up extending that deadline out until December 22nd in the end, but that's it--going forward, Idahoans will only be eligible for ACA coverage if they become eligible thanks to a Qualifying Life Event (QLE) such as losing their existing coverage, moving to a different rating area, turning 26 and so on.

In any event, even without the January final deadline, YHI still managed to beat last year's enrollment numbers by 6.6%:

Here are the OE 2022 numbers with year over year change included (the YoY is Dec. 22, 2021 vs Dec. 31, 2020).

Your Health Idaho Logo

via Your Health Idaho:

Final Deadline for Health Insurance in Idaho is December 22

  • Final Deadline for Health Insurance in Idaho is December 22
  • Final days for Idahoans to apply for 2022 coverage

BOISE, Idaho – Idahoans looking to find 2022 health insurance coverage still have a few days left to enroll through the state health insurance exchange, Your Health Idaho. Idahoans who do not have benefits through their employer and are not eligible for Medicaid or Medicare can enroll in private coverage through the exchange.

After extending the original deadline from Dec. 15, exchange officials are urging Idahoans to apply for the monthly health insurance tax credit and make their final plan selection by 11:59 p.m. (MT) on Wednesday, Dec. 22.

Your Health Idaho extended the original deadline by one week, citing increased demand and longer processing times due to staffing challenges.

Your Health Idaho Logo

While the final Open Enrollment Period (OEP) deadline for 2022 healthcare coverage has been extended back out until January 15th in every other state, there's one exception. Your Health Idaho, the Gem State's ACA exchange, chose to defy the other 49 states + DC by keeping the same OEP deadline which has been the norm for the past few years.

In most states, you still have to enroll by December 15th if you want your 2022 policy coverage to start on January 1st...but if you miss the first deadline, you still have until January 15th to enroll for coverage starting February 1st. Idaho, however, decided to stick with December 15th as their final enrollment deadline; anyone who misses that cut-off is out of luck for the rest of the year unless they qualify for a Special Enrollment Period due to a qualifying life experience.

TODAY, however, Your Health Idaho just announced that they're bumping out that final deadline by a week after all:

Your Health Idaho Logo

via Your Health Idaho:

Idaho’s Open Enrollment Period for Health Coverage Begins

  • New carriers and expanded tax credits give Idahoans more choices and savings

BOISE, Idaho – Starting Monday, Nov. 1, Idahoans who do not have coverage through their employer and don’t qualify for Medicaid or Medicare, can enroll in 2022 medical and dental coverage through Your Health Idaho, the state’s health insurance exchange.

“This is an exciting year for Your Health Idaho and our customers,” said Your Health Idaho executive director, Pat Kelly. “Not only do we have two new insurance carriers and a record number of plans, but Idahoans are also seeing more savings than ever before thanks to the enhanced subsidies that are only available through Your Health Idaho.”

Your Health Idaho Logo

via Your Health Idaho:

Open Enrollment for 2022 health insurance begins November 1

  • New carriers and expanded tax credits give Idahoans more choices and savings

BOISE, Idaho – Open Enrollment for health insurance is just one week away. Beginning Nov. 1, Idahoans who do not have coverage through their employer and don’t qualify for Medicaid or Medicare, can enroll in 2022 medical and dental coverage through Your Health Idaho, the state’s health insurance exchange.

Your Health Idaho will offer a record number of plans this open enrollment period with the addition of two new insurance carriers. Molina Healthcare of Idaho and EMI Health will offer plans on-exchange for the first time, giving Idahoans more choice than ever before.

“This is an exciting year for Your Health Idaho and our customers,” said Your Health Idaho executive director, Pat Kelly. “Not only do we have two new insurance carriers and a record number of plans, but Idahoans are also seeing more savings than ever before thanks to the enhanced subsidies that are only available through Your Health Idaho.”

Idaho

Via the Idaho Insurance Dept:

Idaho Rate Review Individual

The Department of Insurance receives preliminary health plan information for the following year from insurance carriers by June 1 and reviews the proposed plan documents and rates for compliance with Idaho and federal regulations.The Department of Insurance does not have the authority to set or establish insurance rates, but it does have the authority to deem rate increases submitted by insurance companies as reasonable or unreasonable. After the review and negotiation process, the carriers submit their final rate increase information.The public is invited to provide comments on the rate changes. Please send any comments to Idaho Department of Insurance.

It's important to note that the rate changes on the actual tables posted on the Insurance Dept. site are rounded off to the nearest percentage. It's also important to note that when I click through to the actual rate filings and plug in the more exact averages along with the number of members to calculate the weighted average, I got slightly different numbers:

Idaho

 Now that I've developed a standardized format/layout & methodology for tracking both state- and county-level COVID vaccination levels by partisan lean (which can also be easily applied to other variables like education level, median income, population density, ethnicity, etc), I've started moving beyond my home state of Michigan.

Here's Idaho:

Around half the 50 states (+DC) expanded Medicaid under the Affordable Care Act starting in 2014. Since then, roughly half of the remaining states have also done so, either via executive order by the Governor, a new state legislature coming around or, most frequently, via statewide ballot initiative.

Idaho is an example of the latter: In November 2018, voters in Idaho (along with Utah and Nebraska) passed a ballot proposal to fully expand Medicaid under the ACA. After some legal wrangling, the state officially launched Medicaid expansion starting in January 2020, with more than 35,000 Idahoans signing up within the first few days of being allowed to do so.

Your Health Idaho Logo

This Just In from Your Health Idaho:

Final Deadline for 2021 Health Insurance is April 30

  • Last Chance for Idahoans to Receive Enhanced Subsidies

BOISE, Idaho – Your Health Idaho, the state health insurance exchange, announced the final day to enroll in 2021 health insurance, without a Qualifying Life Event, is April 30.

“This is the last chance for Idahoans to take advantage of the increased tax credits and enroll in 2021 coverage,” said Pat Kelly, Your Health Idaho Executive Director. “These savings can be significant for Idaho families who may have thought health insurance was out of reach prior to the American Rescue Plan Act.”

I've confirmed that unlike other state exchanges which have bumped out their deadlines repeatedly, Your Health Idaho explicitly does not intend on extending this deadline out again: April 30th is the final deadline.

After extending the special enrollment period deadline from March 31, exchange officials are urging Idahoans to apply for savings from a health insurance tax credit and make their final plan selection by 11:59 p.m. (MT) on Friday, April 30.

Your Health Idaho, which had been scheduled to end their COVID-19 Enrollment Period on March 31st, has understandably extended the deadline out by another month in light of the American Rescue Plan's expanded/enhanced subsidies. Via email:

Enhanced Subsidies Go into Effect at Your Health Idaho April 1

Your Health Idaho Continues to Enroll Idahoans through April 30, 2021

BOISE, Idaho –Your Health Idaho, the state insurance exchange, will remain open throughout the month of April so Idahoans can take advantage of enhanced financial assistance, which lowers consumer’s monthly premiums. 

For the first time ever, tax credits, which act like an instant discount, may be available for those who were not previously eligible and will be increased for Idahoans who already receive them. For some Idahoans, these savings can be significant. For example, a Treasure Valley married couple in their 20s making $50,000 a year could pay less than $10 a month and a family of four making $105,000 could pay as little as $200 a month.

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