There are some significant changes on the horizon for individual health plans on the Idaho Marketplace. Those enrolled through yourhealthidaho.org who are using a tax credit to offset premium costs need to be prepared.

This change, which will occur starting in 2026, was set in motion years ago through the Enhanced Premium Tax Credit (EPTC) legislation in effect since 2021. This legislation changed the way health insurance tax credits (APTC) were calculated, among other things, giving people higher tax credits and lower out-of-pocket premium costs. While the US Congress could vote to extend it, at this point the EPTC legislation expires at the end of 2025 and that means tax credit amount with likely go down and net premiums will go up.

2026 health plans and rates will be available starting in October, and at that point consumers can get an idea of what to expect for the coming year. Please reach out for guidance and answers to questions as we navigate the changes ahead!

To read more about the Enhanced Premium Tax Credit and how it has affected rates and timelines of related events, you can visit this link: https://www.congress.gov/crs-product/R48290