ACA marketplace plans are where Idahoans under 65 buy individual and family health coverage with the premium tax credit. For 2027 coverage in Idaho, open enrollment runs October 15 to December 15, 2026. Federal rules (45 CFR 155.410) require every marketplace to keep open enrollment open through at least December 15.
Why the window matters more this year. The carrier lineup changed for 2027. The Idaho Department of Insurance 2027 individual rate review lists seven carriers: Blue Cross of Idaho, Moda Health, Molina Healthcare, Mountain Health CO-OP, Regence BlueShield of Idaho, SelectHealth and St. Luke's Health Plan. PacificSource, which sold marketplace plans in Idaho for 2026, is not on the 2027 list. If you have a PacificSource marketplace plan today, you need a new plan for January 1. We wrote up what PacificSource members should do.
Prices moved too. The same Department of Insurance page shows a 12% average statewide increase in final 2027 individual rates before any tax credit, with each carrier landing somewhere different. Letting a plan renew on its own can mean paying more for a network that no longer fits, so the window is the time to look, even if you plan to stay put.
What happens after December 15. Outside open enrollment you can only change plans with a qualifying life event, such as losing other coverage, moving, marriage or a new baby. Those events open a special enrollment period, usually 60 days. Our qualifying event finder shows which events count.
How it works with us. Call or text 208-350-9933 and tell us who is in the household, your estimated 2027 income, your doctors and your prescriptions. We compare the 2027 plans available in your county side by side, check that your doctors are in network, and complete your enrollment over Zoom or the phone. You pay the same premium either way, and our help is free.
| Open enrollment opens | October 15, 2026 |
| Open enrollment closes | December 15, 2026 |
| Coverage starts | January 1, 2027 |
| Marketplace carriers in Idaho for 2027 | 7 |
| Average final 2027 individual rate change | 12% before tax credits |
Related on this site: ACA marketplace coverage · PacificSource and 2027
Sources
- Idaho Department of Insurance, 2027 individual ACA rate review (carriers and final rate changes) · accessed October 26, 2026
- Idaho Department of Insurance news release, preliminary 2027 QHP rates (August 4, 2026) · accessed October 26, 2026
- eCFR, 45 CFR 155.410, ACA initial and annual open enrollment periods · accessed October 26, 2026
This page is general information, not advice about your specific situation, and it is not connected with or endorsed by the U.S. government or the federal Medicare program. Rules and figures change, so confirm current requirements with CMS, Social Security, or a licensed agent before you act. We do not offer every plan available in your area. Currently we represent 5 organizations which offer 300 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.