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Individual & Family Insurance
Whether you are self-employed, between jobs, retiring early, or covering a growing family, we help you compare Idaho’s individual and family plans in plain language — and stay your broker long after you enroll.
Who this is for
Individuals, families & the self-employed
Off the group plan, or shopping on your own.
Cost to work with us
$0 — paid by carriers
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We compare plans across many of Idaho’s carriers and the Marketplace, side by side — premium, deductible, network, and drug coverage.
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Lower premium or lower deductible? In-network doctors? We translate the fine print so the decision is yours to make clearly.
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One point of contact through renewals, claim questions, and life changes — no call center, no restart every year.
Coverage we place
Individual medical
Coverage for a single adult shopping on their own.
Common for the self-employed
Family medical
One plan covering spouses and dependents together.
Common for growing families
Coverage gaps
Between jobs, aging off a parent’s plan, or retiring before 65.
Time-sensitive — call early
Marketplace & subsidies
Many households qualify for a premium tax credit that lowers monthly cost. Eligibility depends on income, household size, and the plans available in your area — so we run the numbers with you rather than guessing.
We can help you enroll through the Health Insurance Marketplace or choose an off-exchange plan when that fits better. Either way, you will understand why.
Already enrolled? Log in to Your Health Idaho.
ACA Exchange Open Enrollment: October 15 – December 15, 2026.
Marriage, a new baby, moving, or losing other coverage may open a Special Enrollment Period outside the annual window.
Beyond medical
Dental
Cleanings, fillings, and major work — standalone plans for people whose medical coverage does not include dental.
Vision
Routine eye exams, lenses, frames, and contact allowances — often a low-cost add-on that pays for itself with a single family visit.
Life
Term and permanent options to protect your family’s income and cover final expenses — quoted alongside your health plan.
How it works
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Household size, doctors you want to keep, prescriptions, health concerns or planned care.
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We line up the plans that actually fit — including any subsidy you may qualify for — and walk you through the real differences.
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Once you decide, we handle the enrollment paperwork and confirm your effective date.
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Claim questions, ID cards, mid-year changes, and next year’s renewal — same broker, same office.
Questions
No — brokers are compensated by the insurance carrier, not by you, and your premium is the same whether you enroll with us or on your own.
Yes. Network matching is one of the first things we check. Tell us which providers and facilities you want to keep and we compare plans on that basis.
You may still qualify for a Special Enrollment Period after a life event such as losing other coverage, moving, marriage, or a new child. Reach out and we will check your eligibility.
No. We compare both on-exchange (Marketplace) and off-exchange plans and help you choose whichever fits your situation and budget.
Many households do, but it depends on income and household size. We can estimate this with you — we do not guarantee eligibility or a specific amount.
Ready when you are
Tell us a little about your household and a Boise broker will follow up to talk through your options — no cost and no obligation.
What to expect
Health Insurance Marketplace disclosure. This website is operated by The Shandro Group and is not the Health Insurance Marketplace website. In offering this website, The Shandro Group is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and 45 CFR 155.260. This website may not display all data on Qualified Health Plans being offered in your state. To see all available options, visit YourHealthIdaho.org.
