Coeur d’Alene CDA Health Insurance: Individual & Small Group Plans
At Dirks Insurance Group, we specialize in helping individuals and small businesses with their Coeur d’Alene CDA Health Insurance needs in the greater North Idaho area in finding affordable health insurance solutions. Whether you’re seeking individual coverage or a small group plan for your employees, we offer expert guidance to navigate the complexities of the health insurance marketplace. If you are over 65, please visit our Medicare page for more information. We can also help with Dental and Vision options for individuals and businesses.
What You Pay — and What You Don’t
As licensed health insurance agents, we never charge fees for our services. Insurance companies pay us directly, so your premium remains the same whether you work with us or not. That means you benefit from expert help at no extra cost.
Understanding the Coeur d’Alene CDA Health Insurance Marketplace
Since 2014, individuals not covered through an employer, Medicaid, or Medicare have used state and federal marketplaces to shop for plans. Idaho’s exchange, Your Health Idaho, lets you compare prices, shop for qualified health plans (QHPs), and apply for financial assistance like subsidies and tax credits.
What is an Advanced Premium Tax Credit (APTC)?
An Advanced Premium Tax Credit (APTC) is a subsidy provided through the Affordable Care Act (ACA) to help reduce the monthly cost of health insurance premiums for eligible individuals and families. This subsidy is based on your household size and your estimated annual income.
For example, in 2025, a household of 4 people with an income of around $70,000 may qualify for an APTC of several hundred dollars per month, depending on factors like age and ZIP code. This credit is applied monthly to lower your health insurance premium, but it is reconciled when you file your taxes. If you incorrectly estimated your income, you could either receive a refund or you could owe when you file your taxes.
To receive an APTC, you must enroll in a health plan through Idaho’s official health insurance exchange: Your Health Idaho, and don’t forget to select us as your agent.
DIRECT ENROLLMENT REGENCE BLUESHIELD OF IDAHO
Key ACA Benefits
- No more preexisting condition exclusions or rate increases based on health status.
- No lifetime or unreasonable annual limits on benefits.
- All plans must cover essential health benefits.
- Preventive services and immunizations are covered at no cost.
- Young adults can remain on their parent’s plan until age 26.
What If You Don’t Qualify?
If you don’t qualify for the APTC—either because of income or because you have access to other coverage—you can still purchase a plan directly from an insurance carrier. Plans available on and off the exchange are typically the same in terms of coverage and benefits.
Our Trusted Carrier Partners
We are currently contracted with leading insurers in Coeur d’Alene (CDA), Idaho, including Blue Cross of Idaho, Regence Blue Shield of Idaho, Pacific Source, and Mountain Health Co-op. These carriers offer strong provider networks and competitive pricing. We are open to adding more trusted carriers as they enter the North Idaho market.
Small Group Coeur d’Alene CDA Health Insurance
Small group insurance is available for businesses with 2–50 full-time employees. To qualify, at least two employees must be full-time and at least 50% must live and work in Idaho. There are other requirements as well, so contact us if you’re unsure about eligibility.
Plans Designed for Idaho Small Businesses
We help you compare plans from Blue Cross of Idaho, Pacific Source, and Regence Blue Shield of Idaho to ensure you get competitive rates and excellent coverage for your team. Our goal is to make small group health insurance accessible, affordable, and tailored to your needs.
For a quote or more information, please contact
our office at info@dirksinsurance.com or (208) 664-9272.
Coeur d’Alene CDA Health Insurance