Idaho · FIPS 16045
Gem County, ID — ACA coverage
Marketplace plans, premium tax credit eligibility, and Medicaid options for residents of Gem County, Idaho. Updated 2026-06-08.
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Enrollee count is an estimate derived by evenly distributing the state's CMS plan-select total across counties; actual county enrollment varies with population.
How the Gem County estimate is calculated
Methodology: ACA Beacon does not have county-level enrollment dashboards for every U.S. county. To give you a directional sense of marketplace activity in Gem County, we take the most recent state-wide Open Enrollment Period (OEP) plan-selection total reported by CMSi (or the state-based marketplace) and divide it evenly by the number of counties in Idaho.
Formula used here: 117,373 total state signupsi ÷ 44 Idaho countiesi = ~2,668 estimated enrollees for Gem County.
Uncertainty & limitations: Counties vary widely in population, income, and insurer participation. Urban counties typically enroll far more residents than rural ones. This number is a simple average, not a forecast or official CMS county report. Use it as a rough indicator of statewide penetration, not a precise local count.
Last updated 2026-06-08. Data source: CMS OEP state-level plan-selection reports.
ACA marketplace in Gem County
Residents of Gem County shop and enroll in ACA marketplace plans at www.yourhealthidaho.org/. Plans are rated by county, so available carriers and prices in Gem may differ from elsewhere in Idaho.
Carriers currently selling in Idaho include: Blue Cross of Idaho, PacificSource, Regence BlueShield of Idaho, SelectHealth, Mountain Health CO-OP. The final 2027 carrier list for Gem County is confirmed when Idaho filings finalize in summer 2026.
Premium tax credit eligibility
Premium tax credits (APTC) cap your monthly premium for a benchmark Silver plan at a percentage of household income — currently 0% at 150% FPL up to 8.5% at 400%+ FPL while Inflation Reduction Act enhancements remain in effect. Cost-sharing reduction (CSR) Silver plans further reduce deductibles for households under 250% FPL.
Use our free subsidy calculator or see the full Idaho subsidy & income tables.
Medicaid & CHIP in Gem County
Gem County residents may qualify for Medicaid up to 138% of the Federal Poverty Level under Idaho's adopted ACA Medicaid expansion.
Idaho CHIP covers children up to 190% FPL; pregnancy Medicaid covers up to 138% FPL. Apply year-round at healthandwelfare.idaho.gov/services-programs/medicaid-health/childrens-health-insurance-program-chip · 1-877-456-1233.
Open Enrollment & SEP
2026 OEP in Idaho: October 15, 2026 – December 15, 2026. Missed it? You may still enroll within 60 days of a qualifying life event (job loss, marriage, birth, move, income change). See Idaho OEP & SEP details.
Other Idaho counties
Sources
- Idaho marketplace(opens in a new tab)
- HealthCare.gov subsidies(opens in a new tab)
- KFF Medicaid expansion tracker(opens in a new tab)
- U.S. Census county FIPS reference(opens in a new tab)
- CMS CHIP & Medicaid(opens in a new tab)
- CMS OEP state-level plan-selection reports(opens in a new tab)
- CMS 2026 Star Ratings(opens in a new tab)
The information contained on this website is for educational purposes only. We are not responsible for missing or inaccurate information. Please consult a licensed insurance broker in your state and area for insurance advice. Please consult a CPA for tax or legal advice.