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Advice on choosing a plan

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Choosing a Plan

Picking a health plan starts by considering a coverage tier: Bronze, Silver, Gold, and Platinum. These tiers represent different levels of coverage and cost-sharing. 

Weigh the trade-offs between deductibles and different coverage costs like copays.

You may qualify for a very low or $0 premium plan.

Premium tax credits might be available to lower monthly premiums.

All premiums are calculated based on each person’s individual circumstances such as age, location, and plan type.

Overview

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%

Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More

*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.

Your county determines which network you're eligible to use and is generally partnered with a hospital:

Access - St. Alphonsus Regional Medical Center

Link - St. Luke Medical Center

Engage - Available in every other county not available  Access and Link

Read More

Link Bronze High Deductible Zero Cost

Native American Plan

2024

Idaho

Link

Zero Cost

Bronze

Deductible

$0

Costs are shown split when applicable: ICHP / In-Network 

Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.

Overview*

Max out-of-pocket

$0

Coinsurance (you pay)

0%

Tier 1-Preferred Generic Drug

No charge

Primary Care Visit

No charge

Specialist Visit

No charge

Mental Health Visit

No charge

*See plan documents for most accurate and up to date details. Telehealth costs may vary.

Link Bronze High Deductible Limited Cost

Native American Plan

2024

Idaho

Link high Deductible

Limited Cost

Bronze

Deductible

$0 IHCP / $7,500

Costs are shown split when applicable: ICHP / In-Network 

Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.

Overview*

Max out-of-pocket

$0 IHCP / $7,500

Coinsurance (you pay)

0%

Tier 1-Preferred Generic Drug

0% No Deductible / 0% After Deductible

Primary Care Visit

0% No Deductible / 0% After Deductible

Specialist Visit

0% No Deductible / 0% After Deductible

Mental Health Visit

0% No Deductible / 0% After Deductible

*See plan documents for most accurate and up to date details. Telehealth costs may vary.

Engage Bronze High Deductible Zero Cost

Native American Plan

2024

Idaho

Engage High Deductible

Zero Cost

Bronze

Deductible

$0

Costs are shown split when applicable: ICHP / In-Network 

Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.

Overview*

Max out-of-pocket

$0

Coinsurance (you pay)

0%

Tier 1-Preferred Generic Drug

No charge

Primary Care Visit

No charge

Specialist Visit

No charge

Mental Health Visit

No charge

*See plan documents for most accurate and up to date details. Telehealth costs may vary.

Engage Bronze Zero Cost

Native American Plan

2024

Idaho

Engage

Zero Cost

Bronze

Deductible

$0

Costs are shown split when applicable: ICHP / In-Network 

Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.

Overview*

Max out-of-pocket

$0

Coinsurance (you pay)

0%

Tier 1-Preferred Generic Drug

No charge

Primary Care Visit

No charge

Specialist Visit

No charge

Mental Health Visit

No charge

*See plan documents for most accurate and up to date details. Telehealth costs may vary.

One Moment...

Overview

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 30%
CO-OP pays 70%

Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More

*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.

Your county determines which network you're eligible to use and is generally partnered with a hospital:

Access - St. Alphonsus Regional Medical Center

Link - St. Luke Medical Center

Engage - Available in every other county not available  Access and Link

Read More

Access Silver Limited Cost

Native American Plan

2024

Idaho

Access

Limited Cost

Silver

Deductible

$0 IHCP / $6,500

Costs are shown split when applicable: ICHP / In-Network 

Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.

Overview*

Max out-of-pocket

$0 IHCP / $8,500

Coinsurance (you pay)

0% / 40%

Tier 1-Preferred Generic Drug

0% No Deductible / $10 No Deductible

Primary Care Visit

0% No Deductible / $30 No Deductible

Specialist Visit

0% No Deductible / $60 No Deductible

Mental Health Visit

0% No Deductible / First Visit $0, then $30 No Deductible

*See plan documents for most accurate and up to date details. Telehealth costs may vary.

Engage Silver Limited Cost

Native American Plan

2024

Idaho

Engage

Limited Cost

Silver

Deductible

$0 IHCP / $5,700

Costs are shown split when applicable: ICHP / In-Network 

Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.

Overview*

Max out-of-pocket

$0 IHCP / $5,700

Coinsurance (you pay)

0% / 30%

Tier 1-Preferred Generic Drug

0% No Deductible / $10 No Deductible

Primary Care Visit

0% No Deductible / $40 No Deductible

Specialist Visit

0% No Deductible / $75 No Deductible

Mental Health Visit

0% No Deductible / First Visit $0, then $40 No Deductible

*See plan documents for most accurate and up to date details. Telehealth costs may vary.

Engage Silver Option 2 Limited Cost

Native American Plan

2024

Idaho

Engage Option 2

Limited Cost

Silver

Deductible

$0 IHCP / $5,700

Costs are shown split when applicable: ICHP / In-Network 

Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.

Overview*

Max out-of-pocket

$0 IHCP / $5,700

Coinsurance (you pay)

0% / 30%

Tier 1-Preferred Generic Drug

0% No Deductible / $20 No Deductible

Primary Care Visit

0% No Deductible / $40 No Deductible

Specialist Visit

0% No Deductible / $75 After Deductible

Mental Health Visit

0% No Deductible / First Visit $0, then $40 No Deductible

*See plan documents for most accurate and up to date details. Telehealth costs may vary.

Engage Silver Option 2 Zero Cost

Native American Plan

2024

Idaho

Engage Option 2

Zero Cost

Silver

Deductible

$0

Costs are shown split when applicable: ICHP / In-Network 

Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.

Overview*

Max out-of-pocket

$0

Coinsurance (you pay)

0%

Tier 1-Preferred Generic Drug

No charge

Primary Care Visit

No charge

Specialist Visit

No charge

Mental Health Visit

No charge

*See plan documents for most accurate and up to date details. Telehealth costs may vary.

One moment...

Overview

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 20%
CO-OP pays 80%

Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More

*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.

Your county determines which network you're eligible to use and is generally partnered with a hospital:

Access - St. Alphonsus Regional Medical Center

Link - St. Luke Medical Center

Engage - Available in every other county not available  Access and Link

Read More

Access Gold Limited Cost

Native American Plan

2024

Idaho

Access

Limited Cost

Gold

Deductible

$0 IHCP / $1,000

Costs are shown split when applicable: ICHP / In-Network 

Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.

Overview*

Max out-of-pocket

$0 IHCP / $6,500

Coinsurance (you pay)

0%

Tier 1-Preferred Generic Drug

0% No Deductible / $5 No Deductible

Primary Care Visit

0% No Deductible / $30 No Deductible

Specialist Visit

0% No Deductible / $50 No Deductible

Mental Health Visit

0% No Deductible / First Visit $0, then $30 No Deductible

*See plan documents for most accurate and up to date details. Telehealth costs may vary.