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Health Insurance

The passing and implementation of the Affordable Care Act (ACA) has dramatically changed the way we now obtain individual or family health insurance. Perhaps you don't know that health insurance is now required by law in 2014, although there are exemptions for low income. Please be aware that generally speaking new coverage for 2014 is no longer available as the open enrollment period is over. The exception is if you are eligible for a special enrollment period (SEP) Please call our Coeur d'Alene office at 208.664.9783 and ask for Virginia O'Connor, Life and Health Agent, to make that determination. If you are ineligible for a special enrollment period, you have the option of purchasing temporary coverage through one of several companies. This would provide coverage through 12/31/14. The annual open enrollment period for enrolling in an ACA plan begins again on 11/15/2014 for coverage from 1/1/15.


If you are eligible for a special enrollment period, then the first step in obtaining coverage is to see if you qualify for a federal tax credit. This credit can either be used to pay all or a portion of your monthly health insurance premium or saved and used as a tax credit when you file your annual federal tax return. If your income is too high to receive a tax credit then we can advise a suitable health plan and enrol you directly with an insurance company. If you qualify for a SEP you will need to go to www.healthcare.gov or call 800.318.2596 to determine if you qualify for a federal tax credit.

Common Health Insurance Terms


When discussing health insurance with an agent, it helps to understand some of the common terms you’ll hear. Below you’ll find definitions to some of the most common health insurance terms.

•Deductible - The amount of money you pay toward medical bills before your insurance coverage begins.

•Co-pay - A specified amount of money you pay upfront for doctor visits and prescription refills.

•Coinsurance - The percentage of medical bills you pay after meeting the deductible.


To learn more about Idaho health insurance, call and talk with one of our agents today. We’ll guide you toward a more secure future.


The annual open enrollment period begins this year on November 15th and runs through February 15th. This second year you'll notice it is only a three month period as opposed to last year's 6 month time frame. This is your chance to see if you qualify for a subsidy to help you pay for the cost of your medical coverage and or change your current coverage. This year www.yourhealthidaho.org is the place to go. If you received a subsidy in 2014 you should receive a direct mailing from The Idaho Department of Health and Welfare containing instructions. For more information please contact our health agent, Virginia O'Connor at .


Last updated 8/26/14

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