Understanding COBRA Insurance in Idaho

In Idaho, the COBRA act gives any worker the right to continue group health insurance coverage in the event they leave the company due to career change or layoffs. COBRA protects workers from the prospect of being uninsured. 

COBRA Eligibility

Idaho Allows

COBRA Alternative:
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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

Nearing Retirement Age

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COBRA Insurance In Idaho

In Idaho, the federal COBRA regulations are applicable only to companies that have more than 20 employees. An eligible employee may choose to continue their Idaho health insurance coverage through COBRA for up to 18 months, or until they obtain alternative coverage, whichever occurs first. There are, however, exceptions to the 18-month limit. For instance, some dependents can maintain coverage for up to 36 months, and disabled individuals can be covered for 29 months.

COBRA provides a means of extending the Idaho health care insurance previously received from an employer. However, if the group insurance plan terminates or the employer decides to discontinue offering health insurance to employees, the COBRA coverage will also end.

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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.

View Affordable Care Act Plans

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

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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


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.

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