>> The ultimate resource for COBRA insurance information and options

Quick Links

Idaho - High risk Health Insurance Pool & Individual Health Insurance Availability

Health Insurance

Temporary Health Insurance

Next day coverage, last up to 6 months.

Short Term Health Insurance

Permanent Health Insurance

6+ months of coverage

Cobra Health Insurance

Student Health Insurance


Travel Insurance

International Health Insurance

traveling outside your home country? Overseas.

Trip Cancellation Insurance

Life Insurance

 Term Life Insurance

Online Instant Term Life Insurance

Adult Whole Life Insurance

Child Whole Life Insurance


Dental Insurance

Dental Insurance

Dental Plan


Group Insurance Plans

Group Health Insurance

High Risk Health Insurance Pool (.PDF)

Individual Health Insurance Availability

The purpose of the Individual Health Insurance Availability Act is to promote the availability of health insurance coverage to persons not covered by employment-based insurance regardless of their health status or claims experience. Idaho Code, Chapter 55, Title 41, as it pertains to the Idaho Individual High Risk Reinsurance Pool, provides for the development and utilization of the prescribed Individual Basic, Standard and Catastrophic A and Catastrophic B health benefit plans to be offered to all individuals meeting the eligibility requirements for such plans. According to Chapter 52, Title 41, Idaho Code, (Individual Health Insurance Availability Act), a health benefit plan: (a) shall waive any time period application to a pre-existing condition exclusion or limitation period with respect to particular services for the period of time an individual was previously covered by qualifying previous coverage; (b)  no break in qualifying coverage of greater than sixty-two (62) days; (c) new coverage effective on the 63rd day. The following companies have met the statutory requirements to offer health plans to individuals under the Individual Health Insurance Availability Act. They are shown here in no particular order. This list is provided for information only, and should in no way be interpreted as a form of warranty by the Idaho Department of Insurance.

The Basic, Standard and Catastrophic Plans

Blue Cross of Idaho Health Service, Inc. 208-345-4550
Fortis Insurance Company 1-800-462-8463
John Alden Life Insurance Company 1-800-736-6762
Mega Life and Health Insurance Company 1-800-733-1110
Mid-West National Life Insurance Company of Tennessee 1-800-733-1110
Regency Blue Shield of Idaho, Inc. 1-800-632-2022
States General Life Insurance Company 1-800-782-8375


Important Disclaimer:  COBRA is a law (It is not an endorsed insurance plan or company).  Answers and comments provided on Cobrahealthinsurance .com website are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, governmental, or other professional advice. Cobrahealthinsurance .com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service, health plan, or service provider mentioned or any opinion expressed in the website.  Replies, comments, or information gathered on Cobrahealthinsurance .com website may not be accurate but are intended to be helpful.  Health and life insurance company directory.

Copyright 2006 SASid Inc. All rights reserved.