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Individual and Family Health Insurance 

All Valley Agency specializes in working with Your Health Idaho and the Oregon federal marketplace to make sure you receive a tax credit, which determined by income and the size of your household. Premium tax credits lower your monthly premium and cost sharing. After a tax credit is determined, we will work on finding the best plan for you by​ comparing plans, cost and coverage.

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When the Affordable Care Act was established, the metal tiers were set: Bronze, Silver, Gold and Platinum. Bronze plans are cheaper, but out of pocket costs paid by you will be higher. Platinum plans have higher premiums, but they will have lower costs to you.

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The Affordable Care Act  also made sure plans are available regardless of your health. There are NO Health questions or waiting periods on pre-existing health conditions.

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All Valley Agency will look at what is important to you and help you figure out what plan is right for you.

Open enrollment for Individuals and families begins November 1 and ends December 15. This would make your health coverage effective January 1 of the next year.

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You might qualify for a special election period if have recently:

  • Lost your health coverage

  • Had changes to family structure (divorce, marriage or birth)

  • Moved out of a service area

  • Had changes to your subsidies/tax credits

Some of the major carriers we are contracted with for Individuals and groups are: Blue Cross, Regence, Access Care, and Mountain Health Co-op.

If you are turning 65, you are eligible for Medicare. And if you are below the federal poverty level, you might qualify for Medicaid or Extra Help through Social Security. We can help you figure out what is going to be the best option for you and your family. 
 

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