Idaho
Cheapest ACA plans in Caldwell, Idaho for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Caldwell is in Canyon County, Idaho. 8 carriers sell 2026 ACA plans on Your Health Idaho for residents of Canyon County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $331/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Canyon County, including Caldwell.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Caldwell (Canyon County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Canyon County |
|---|---|---|
| Catastrophic | $214 | 5 |
| Expanded Bronze | $331 | 27 |
| Bronze | $349 | 2 |
| Silver | $483 | 34 |
| Gold | $510 | 20 |
| Platinum | $649 | 1 |
The actual cheapest Bronze plan in Caldwell
Moda Health Plan, Inc Moda Select Idaho Bronze 10000 + Vision Exam
$331/moFor a family of four (two 40-year-olds and two kids under 14): Moda Health Plan, Inc Moda Select Idaho Bronze 10000 + Vision Exam at $1,057/month before subsidies.
Carriers selling 2026 plans in Caldwell
8 carriers sell 2026 plans on Your Health Idaho for Canyon County residents. 94 plans total in Canyon County.
| Carrier | On-exchange plans |
|---|---|
| Blue Cross of Idaho | 22 |
| SelectHealth | 18 |
| Molina Healthcare of Idaho, Inc. | 13 |
| Mountain Health Cooperative | 11 |
| Moda Health | 8 |
| Regence BlueShield of Idaho | 7 |
| PacificSource Health Plans | 6 |
| St. Luke's Health Plan | 4 |
What you'll actually pay in Caldwell
Estimated monthly net premium for the cheapest Bronze plan above ($331/mo before subsidy) on Your Health Idaho, after federal APTC. APTC is computed against the Canyon Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $392/mo | $0/mo |
| $40,000 | 256% | $202/mo | $129/mo |
| $60,000 | 383% | $0/mo | $331/mo |
| $100,000 | 639% | — | $331/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,002/mo | $55/mo |
| $130,000 | 404% | — | $1,057/mo |
| $200,000 | 622% | — | $1,057/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Caldwell, Idaho for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Moda Health Plan, Inc Moda Select Idaho Bronze 10000 + Vision Exam at $331 per month before subsidies. Plans sell through Your Health Idaho. Caldwell is in Canyon County, Idaho; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Caldwell's 2026 ACA pricing compare to other Idaho cities?
Cheapest Bronze for a 40-year-old in Caldwell is $331 per month before subsidies. For comparison: Boise at $331/mo; Idaho Falls at $364/mo; Pocatello at $355/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Is Idaho on Healthcare.gov?
No. Idaho runs its own state-based exchange, Your Health Idaho (YHI), and was in fact the first state to launch an SBE in 2013. Healthcare.gov does not serve Idaho.
Has Idaho expanded Medicaid?
Yes, effective January 1, 2020. Idaho voters approved Proposition 2 in November 2018 with 60% support, directing the state to expand Medicaid under ACA. Adults 19-64 with income up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap.
When is Idaho Open Enrollment for 2026?
Your Health Idaho historically runs a shorter OEP window than Healthcare.gov, often October 15 to December 15 for January 1 effective dates. Confirm the specific PY2026 window on yourhealthidaho.org before enrolling. Special Enrollment is available year-round for qualifying life events.
More Idaho pricing
- Statewide Idaho pricing and metal tiers
- Boise pricingcheapest Bronze $331/mo
- Idaho Falls pricingcheapest Bronze $364/mo
- Pocatello pricingcheapest Bronze $355/mo
Sources
- Your Health Idaho for SBE enrollment, OEP dates, and APTC application.
- Idaho Department of Insurance for rate review, carrier filings, and consumer guidance.
- Idaho Department of Health and Welfare: Medicaid Expansion for Proposition 2 expansion eligibility and enrollment.
- Idaho Proposition 2 (2018 Ballot) for the voter-approved Medicaid expansion.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.