Coverage Options

Plans sold through Your Health Idaho fall into one of four categories: bronze, silver, gold or platinum.

The different categories represent what an average enrollee would pay out-of-pocket. All plans must cover 10 essential health benefits. These include hospitalization, emergency services, prescription drugs, preventative and wellness care, pediatric care, maternity care, ambulatory patient services, mental health and substance abuse disorder services, rehabilitative care and laboratory services.

The levels of payment are:

* Bronze. The plan pays, on average, 60 percent; consumer pays 40 percent.

* Silver. The plan pays, on average, 70 percent; consumer pays 30 percent.

* Gold. The plan pays, on average, 80 percent; consumer pays 20 percent.

* Platinum. The plan pays, on average, 90 percent; consumer pays 10 percent.

Your Health Idaho also offers catastrophic plans which only cover you if you require extensive care. Catastrophic plans are available for individuals under 30, or for those with very low incomes who cannot afford other options. Catastrophic plans will not be eligible for use with a health savings account in 2015.