Medicare in Idaho: 2026 Plans, Costs, and Enrollment Guide
- 48 Medicare Advantage plans available statewide (Idaho: 44 counties; CMS 2026 Fact Sheet)
- 40 Medigap carriers offering Plan G (TPP rate database, CY2026)
- 11 standalone Part D plans in PDP Region 11 (Idaho and Utah)
- Avg MA premium $32.32/mo in 2026 (was $32.30 in 2025) (CMS 2026 Fact Sheet)
- LIS benchmark: $13.93/mo (Region 11)
Idaho Medicare Snapshot
Idaho has 48 Medicare Advantage plans available statewide for 2026 (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet), with the specific plans offered varying by county within Idaho’s 44 counties. Most Idaho Medigap policies are attained-age rated.
The average monthly MA premium in Idaho is $32.32 in 2026 (changed from $32.30 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
| Metric | Idaho 2026 | Source |
|---|---|---|
| MA plans available | 48 statewide (Idaho: 44 counties) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Avg MA premium | $32.32/mo (2025: $32.30) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Medigap carriers (Plan G) | 40 (most carriers use attained-age) | TPP internal data, CY2026 |
| HDG carriers | 13 (most carriers use attained-age) | TPP internal data, CY2026 |
| Standalone Part D plans | 11 (PDP Region 11 — Idaho and Utah) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Part D LIS benchmark (Region 11) | $13.93/mo | CMS CY2026 Regional Rates & Benchmarks |
Plan Types Available in Idaho
Medicare Advantage (Part C)
Idaho offers 48 Medicare Advantage plans statewide for 2026 (CMS 2026 Fact Sheet). Top MA carriers include UnitedHealthcare, Humana, and Blue Cross of Idaho. Check Medicare Plan Finder for per-plan star ratings in your county.
Medigap (Medicare Supplement)
Idaho uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 40 carriers offer Plan G in Idaho in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 13 Idaho carriers.
Most Idaho Medigap policies are attained-age rated. See our MA vs Medigap comparison →
Standalone Part D (Prescription Drug Plans)
Idaho is in CMS PDP Region 11 (Idaho and Utah). For 2026, there are 11 standalone PDP plans available (CMS 2026 Fact Sheet).
Costs in Idaho
Medicare Advantage Premiums
The average monthly MA premium in Idaho is $32.32 in 2026 (changed from $32.30 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
Medigap Premiums — Plan G and HDG
Most Idaho Medigap policies are attained-age rated. Across the 40 Idaho Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $207 to $307/month(TPP rate database, CY2026).
High-Deductible Plan G (HDG) is offered by 13 Idaho carriers; premiums range from approximately $67 to $275/month(TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the high-deductible amount (CMS’s 2026 Medigap high-deductible options notice publishes the current dollar figure).
Part D Costs and the LIS Benchmark
For 2026, Idaho (PDP Region 11 — Idaho and Utah) has 11 standalone PDP plans (CMS 2026 Fact Sheet). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 11 is$13.93/month (CMS CY2026 Regional Rates and Benchmarks).
Idaho-Specific Medicare Rules
Idaho Medigap Birthday Rule (Idaho Code §41-4616A)
Idaho law gives current Medicare Supplement policyholders an annual no-underwriting open enrollment window around their birthday:
- Window: 63-day window starting on the policyholder\'s birthday.
- Eligibility: no age cap; you must already have a Medigap policy in force.
- Allowed switch: you can switch to the same lettered plan or a plan with lesser benefits with any Idaho-licensed Medigap insurer, without medical underwriting.
Effective: July 2021 (Idaho Code §41-4616A). Verify current rule terms with the the Idaho Department of Insurance before relying on details.
Medicare Savings Programs (MSPs)
Idaho offers Medicare Savings Programs (MSPs) through Idaho Medicaid (DHW):
- QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
- SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
- QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.
Apply through Idaho Medicaid (DHW) or contact Idaho SHIBA (1-800-247-4422) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →
Idaho SHIBA
Idaho SHIBA is Idaho's federally designated State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling statewide through trained volunteers.
Phone: 1-800-247-4422
Website: doi.idaho.gov/shiba
Enrolling in Medicare in Idaho
Standard Enrollment Periods
- Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
- Annual Election Period (AEP): October 15 – December 7 each year.
- Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
- Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B.
- Special Enrollment Periods (SEPs): Learn more →
Idaho SHIBA Counseling
Contact Idaho SHIBA at 1-800-247-4422 for free one-on-one Medicare guidance statewide.