Understanding COBRA Insurance in Idaho
In Idaho, the COBRA Act gives any worker the right to continue group health insurance coverage if they leave the company due to a career change, layoffs, or other qualifying events. COBRA allows workers to stay on their employer’s health plan for a limited time.
Idaho follows the federal COBRA law, which applies to employers with 20 or more employees and requires that former employees be given the option to keep their coverage at their own expense.
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COBRA Eligibility
Idaho Allows
COBRA Alternative:
Save Up To 70%
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$44/month*
Covers An Insurance Gap
Until Your Next Work Health Plan Starts
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*Based on age and state availability
Continuing Health Insurance Coverage In Idaho
Please choose:
No Pre-Existing Conditions
Term Medical Gap Coverage
Available in some states, as low as $44/month
Coverage For
Pre-Existing Conditions
$400 – 700/month per individual
Medicare
Nearing Retirement Age
Learn about Medicare Advantage
Health Coverage Between Jobs in Idaho
Idaho does not have a state mini-COBRA law. This means that if someone loses their job at a small employer with fewer than 20 employees, the employer is not required by state law to offer continuation of health insurance coverage.
Employees who worked for larger employers with 20 or more employees may qualify for federal COBRA, which allows them to stay on their group health plan by paying the full premium themselves.
When COBRA is not available or unaffordable, other options for health coverage in between employer plans may include buying a plan through the federal health care marketplace, enrolling in a spouse’s or parent’s plan, or considering a short-term health plan. These alternatives can help individuals remain insured until new coverage begins.
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Only $11.95/ month
- 24/7 Access to Care
- Affordable and Cost-Effective
- Wide variety of health services
- Prescription Refills
Health Insurance For Pre-Existing Conditions In Idaho
If you see a doctor frequently or need prescription drugs, it may be a good idea to keep your employer insurance in Idaho. It allows you to keep your current health plan without having to restart your deductibles, as the plan resumes from the date it was terminated.
Marketplace / Obamacare
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
The average marketplace silver plan for ACA health insurance in Idaho was $415/month, according to the Kaiser Foundation.
Apply For COBRA
Employer Has 20+ Employees
As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.
You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.
Save With Accident Only Coverage
The state of Idaho allows individuals to purchase accident only insurance while they are in between jobs. This type of insurance provides coverage for accidental injuries, but it does not include coverage for illnesses or other medical conditions.
Plans start at $44/month.
Based on age and state availability
Accident Only Insurance with Telehealth
Choose Your Length Of Coverage
1 – 12 Months
Pre-existing Conditions Do Not Exclude You From Accident Only Coverage.
Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.
Includes Telehealth – Access to prescribing doctors for common issues
Medicare
After your workplace insurance ends, you’ll sign up for Medicare within 8 months.
In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.
Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.
COBRA Is Available in All 50 States
Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.
Remain Insured
Accident Only plans start at $44/mo
Short-Term Medical low as $80/mo
Call us
877-262-7241
Get A Quote, Enroll Online
Shop Plans
