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2024

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Best Health Insurance Agencies in Idaho

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Idaho Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

34919Reviewed

20956Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Idaho

Expertise.com Rating

Review Sources

Google
5.0 (45)

Why choose this provider?

Medical Plans of Idaho is an insurance brokerage that caters to the health concerns of individuals and families in the area. Its professionals, led by owner and broker Steve Marsh, assist clients in securing health insurance and in choosing from different options. Marsh and his team check insurance coverage and design policies for various needs, such as accident coverage, long-term or short-term care, and vision exams. Marsh established the brokerage in 1994 and also offers Medicare plans.

  • Individual Health Insurance
  • Life Insurance

Idaho

Expertise.com Rating

Review Sources

Google
4.7 (59)
Facebook
4.8 (30)

Why choose this provider?

Parker Insurance serves clients in Idaho. It handles a variety of insurance policies, such as critical illness, vision, dental, health, disability, and life. Its staff assists clients in choosing the health policy that matches their needs, which is in line with the company's motto of helping others all the time. Owner and manager Traci Parker founded the agency together with her late husband David in September 2009. One of its producers, Brett Hansen, has been in the insurance industry for 15 years.

  • Dental and Vision Insurance
  • Individual Health Insurance
  • Life Insurance

Idaho

Expertise.com Rating

Review Sources

Google
4.6 (21)
Facebook
5.0 (6)

Why choose this provider?

Northwest Insurance Brokers serves residents of Idaho who need health indemnity services. These options include workers' compensation coverage for the treatment of employees who incur physical disabilities and rehabilitation needs during the course of work. The team also has non-life options for a company's commercial cars and general legal liabilities. Northwest Insurance Brokers has choices from American Modern, Berkshire Hathaway, and Hartford Insurance. It was founded in 1989 and is an independent agency with unrestricted access to carriers.

  • Individual Health Insurance
  • Life Insurance

Idaho

Expertise.com Rating

Review Sources

Google
5.0 (61)
Facebook
4.6 (7)
Yelp
5.0 (3)

Why choose this provider?

Craig-Howard Insurance serves policy buyers in Idaho. It helps individuals, families, and employers by evaluating their options to get the best coverage. The firm represents several insurance carriers, including Blue Cross of Idaho, PacificSource, Humana, SelectHealth, UnitedHealthcare, and MediGold. The firm makes it easy for clients by being available both in person and over the phone. Curtis Craig is an insurance broker for Craig-Howard Insurance. He has been in the insurance industry since 2003, mainly focusing on Medicare and health insurance.

  • Individual Plans

Idaho

Expertise.com Rating

Review Sources

Google
5.0 (35)

Why choose this provider?

Kerry Baxter addresses the insurance needs of individuals and families in and around Idaho. He offers a wide selection of personal lines of insurance and helps clients acquire health protection plans. He furnishes customized policies and assists policyholders in filing claims to reimburse medical or hospital expenses. Baxter also provides life, auto, motorcycle, home, umbrella, and farm and ranch insurance coverage and has been a part of the Farm Bureau for more than a decade.

  • Individual Plans

Idaho

Expertise.com Rating

Review Sources

Google
5.0 (27)
Facebook
5.0 (17)
Yelp
5.0 (1)

Why choose this provider?

Ascent Benefits Advisors is a health insurance brokerage serving clients in Idaho. It offers health, disability, and life insurance plans to protect policyholders and their families from financial challenges posed by illnesses and injuries. In addition, it helps employers provide group medical, dental, and vision benefits for their employees. Sheldon Christensen, the brokerage's manager, has more than 16 years of experience in the field of benefits. He earned the Registered Health Underwriter designation in 2015 after completing health insurance courses.

  • Group Plans
  • Individual Plans

Idaho

Expertise.com Rating

Review Sources

Google
4.6 (292)
Facebook
4.6 (63)
Yelp
4.0 (7)

Why choose this provider?

Insure It All is an insurance agency with 200 offices in over 30 states, including Idaho. It offers healthcare plans to clients looking to insure their families and protect their savings and financial futures against medical and hospital costs. There are coverages for dental, vision, prescription drugs, and long-term care, which clients may add to their policies. Group health insurance programs are also available. The company's agents work closely with clients to learn their insurance needs and recommend the right amount of coverage.

  • Group Plans
  • Individual Plans

Idaho

Expertise.com Rating

Review Sources

Google
5.0 (185)
Yelp
5.0 (3)

Why choose this provider?

Fredriksen Health Insurance is a family-owned and family-operated business that has been serving clients in the state of Idaho since 1980. Its health insurance plans include dental, vision, life, short-term, and long-term disability. It accommodates individual and business customers. The company specializes in individual health, employee benefit plans, and Medicare supplements. Eric Fredriksen, one of the owners and principal agents, is a native of Boise. His background in accounting helps him create tailored insurance benefits for the company's clients.

  • Medicare Supplement Insurance
  • Life Insurance
  • Group Plans

Idaho

Expertise.com Rating

Review Sources

Google
4.1 (32)
Facebook
4.5 (14)
Yelp
3.0 (2)

Why choose this provider?

Bell Black Insurance caters to clients in and around Idaho. The independent insurance company offers a variety of healthcare policies and Medicare Supplement insurance for families, individuals, and seniors. It also covers other types of insurance products for automobiles, homes, and businesses. The firm works with over 20 insurance carriers to provide a wide selection of price points and coverage options such as survivorship, universal, variable, whole, and term life. Bell Black Insurance has been in business for more than 55 years.

  • Individual Plans

Idaho

Expertise.com Rating

Review Sources

Google
4.8 (24)
Yelp
5.0 (1)

Why choose this provider?

Wood River Insurance is an independent agency that provides services to individuals and families throughout Idaho. It provides health insurance policies covering clients' surgical, medical, and hospital expenses while securing their finances. These insurance policies also help individuals protect themselves and their loved ones' dental and mental health. In addition to health, the agency helps clients apply for life, homeowners, condo, renters, auto, and business insurance plans. Wood River Insurance carries products from Travelers, Liberty Mutual, and Safeco.

  • Individual Health Insurance

Idaho

Expertise.com Rating

Review Sources

Google
4.8 (213)
Facebook
5.0 (20)

Why choose this provider?

Alpine Castle Lake Insurance is an independent agency providing a variety of products to the residents of Idaho. To cover surgical, medical, and hospital expenses, its team helps customers choose from HMO, PPO, POS, and EPO insurance policies. The agents also assist in securing options that cover mental health services, dental expenses, and prescription drugs. Agency owner and principal, Stephen Fransen, has been serving the insurance needs of the community for more than 20 years.

  • Life Insurance
  • Individual Plans

Idaho

Expertise.com Rating

Review Sources

Facebook
5.0 (18)
Google
4.9 (13)

Why choose this provider?

The Insurance Group, Inc., provides Idaho locals with a wide variety of personal and commercial lines of insurance. Its selection of personal insurance options includes coverage plans insuring a client's health expenses like prescription drugs and dental visits, standard and classic auto insurance, and home insurance policies covering a homeowner's property from natural disasters. The agency also offers various commercial insurance solutions, from general liability insurance to farm and ranch policies. The Insurance Group has been operating for over two decades.

  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Medical Plans of Idaho
1308 N Meridian Rd, Idaho, ID 83642
Parker Insurance
12 W Main St #5, Idaho, ID 83440
Northwest Insurance Brokers
1860 N Lakes Place, Idaho, ID 83646
Craig-Howard Insurance
1718 S Spring Valley Ln, Idaho, ID 83642
Kerry Baxter
2976 E Overland Rd, Idaho, ID 83642
Ascent Benefits Advisors
591 Park Ave #103, Idaho, ID 83402
Insure It All
919 South 25th East, Idaho, ID 83406
Fredriksen Health Insurance
5240 Fairview Ave., Idaho, ID 83706
Bell Black Insurance
237 North 2nd East; Suite 100, Idaho, ID 83440
Wood River Insurance
410 N Main Street, Idaho, ID 83333
Alpine Castle Lake Insurance
1601 Antler Dr, Idaho, ID 83404
The Insurance Group, Inc.
404 E 7th Street, Idaho, ID 83672

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.