Special Enrollment
Had a recent life change? You may qualify to enroll outside of Open Enrollment.
- Eligibility
- 60 or 90 Day Window
- Expert Help
Depending on the event, you have 60 or 90 days after a Qualifying Life Event to enroll or make changes to your coverage.
9 Qualifying Life Events Click on the icon to view all
Qualifying Life Events
Click to view details
Job loss, turned 26
Lost or losing Medicaid?
Move to or within Idaho
New household member
Change in household
For you, your spouse, or dependents
Enroll year-round
Not Sure Where to Start?
Talk to a certified agent who can help you through the application process at no cost.
Unaffordable Employer-Sponsored Coverage
Unaffordable Employer-Sponsored Coverage
If your employer-sponsored health insurance is considered unaffordable for you or your family, you may qualify for a tax credit and be eligible to enroll in coverage through Your Health Idaho.
- Enroll during your employer's Open Enrollment period
- Enroll during Your Health Idaho's Open Enrollment, October 15 – December 15
Follow These Four Steps
Life Event Occurs
60-Day Window Opens
Enroll or Make Changes
Coverage Starts
What Qualifies as Unaffordable Employer-Sponsored Coverage
- For 2026, coverage is considered unaffordable if the annual premium of the lowest-cost plan offered to you is more than 9.96% of your total household income
- Use our affordability determination tool to check if your coverage is considered unaffordable
- We highly recommend confirming your employer-sponsored coverage is unaffordable before canceling your policy or opting out of enrollment. You can do this by completing the application; this does not commit you to enrollment through Your Health Idaho
Verification Documents
During your employer’s Open Enrollment period:
Documentation of employer Open Enrollment
Documentation demonstrating an offer of unaffordable coverage
During Your Health Idaho’s Open Enrollment:
Documentation of current employer-sponsored insurance demonstrating unaffordable coverage. This information about affordability is provided through the Your Health Idaho application. Additional documentation is not required.
Ready to enroll?
Start your application now by creating an account.