How to choose a plan from your employer.
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Good choice if…
you’re mostly healthy already and want to keep monthly premiums relatively low so you’re willing to accept higher out-of-pocket costs.
Premium Level
Low
Average Cost Split*
You pay 40%
CO-OP pays 60%
Signature Benefits
Employer plans include our Signature Benefits.
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Employer Plan
2024
Idaho
Link High Deductible
Bronze
Deductible
$7,500
Overview*
Max out-of-pocket
$7,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
$0 copay, deductible does not apply
Specialist Visit
0% Coinsurance
Mental Health Visit
$0 copay, deductible does not apply
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Idaho
Link Expanded
Bronze
Deductible
$8,900
Overview*
Max out-of-pocket
$8,900
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
$0 copay, deductible does not apply
Specialist Visit
0% Coinsurance
Mental Health Visit
$0 copay, deductible does not apply
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Idaho
Engage
Bronze
Deductible
$9,100
Overview*
Max out-of-pocket
$9,100
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
$40 No Deductible
Specialist Visit
$80 No Deductible
Mental Health Visit
First Visit $0, then $40 No Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Good choice if…
you anticipate needing some medical care throughout the year but not excessively, a silver plan can provide a good balance between monthly costs and out-of-pocket expenses.
Premium Level
Medium
Average Cost Split*
You pay 0%
CO-OP pays 70%
Signature Benefits
Employer plans include our Signature Benefits.
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*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Employer Plan
2024
Idaho
Link Silver Option 2
Silver
Deductible
$8,000
Overview*
Max out-of-pocket
$9,000
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
$10 No Deductible
Primary Care Visit
0% No Deductible
Specialist Visit
$75 No Deductible
Mental Health Visit
0% No Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Idaho
Link Silver
Silver
Deductible
$6,400
Overview*
Max out-of-pocket
$8,150
Coinsurance (you pay)
30%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Idaho
Link High Deductible
Silver
Deductible
$5,700
Overview*
Max out-of-pocket
$5,700
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Idaho
Engage Option 2
Silver
Deductible
$7,500
Overview*
Max out-of-pocket
$9,000
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
$5 No Deductible
Primary Care Visit
$40 No Deductible
Specialist Visit
$75 No Deductible
Mental Health Visit
First Visit $0, then $40 No Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Idaho
Engage High Deductible
Silver
Deductible
$5,700
Overview*
Max out-of-pocket
$5,700
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Idaho
Engage
Silver
Deductible
$7,500
Overview*
Max out-of-pocket
$9,000
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
$5 No Deductible
Primary Care Visit
$40 No Deductible
Specialist Visit
$75 No Deductible
Mental Health Visit
First Visit $0, then $40 No Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Good choice if…
you see doctors frequently or are anticipating upcoming events such as surgery or pregnancy. Lower copays, deductibles, and out-of-pocket maximums compared to bronze or silver plans, can save you money in the long run.
Premium Level
High
Average Cost Split*
You pay 0%
CO-OP pays 80%
Signature Benefits
Employer plans include our Signature Benefits.
Â
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Employer Plan
2024
Idaho
Link Option 2
Gold
Deductible
$1,800
Overview*
Max out-of-pocket
$6,500
Coinsurance (you pay)
30%
Tier 1-Preferred Generic Drug
$10 No Deductible
Primary Care Visit
0% No Deductible
Specialist Visit
$50 No Deductible
Mental Health Visit