Your Health Idaho reports record enrollments, high satisfaction and no state funding dependence

Pat Kelly, executive director of Your Health Idaho, presented the marketplace’s 2024 results and open-enrollment 2025 summary to the Senate Health and Welfare Committee and requested familiarity with the exchange as it will appear in future policy discussions.

Kelly said Your Health Idaho is the state's health insurance marketplace and the only place Idahoans can apply for and receive a tax credit that reduces monthly premiums. "Your Health Idaho is Idaho's health insurance marketplace, and we are the only place Idahoans can apply for and receive a tax credit that lowers the cost of their monthly premium," Kelly told the committee.

Kelly reported that in 2024 the exchange averaged about 120,000 enrollees, with 47% enrolled four or more years; over 90% of enrollees receive tax credits; 71% of enrollments were completed with the help of an agent, broker or enrollment counselor; and 90% of enrollments were completed via self-service tools. For open enrollment 2025, Kelly said more than 139,000 Idahoans selected a plan, new customers made up 22% of the total, and the exchange continues to be self-sustaining with no state funding. He highlighted a Net Promoter Score of 73 as evidence of customer satisfaction.

Kelly explained the exchange’s revenue model: primary revenue is an assessment fee on plans (2.49% in 2024) and the exchange will move to a per-member-per-month fee in 2025 for greater predictability. Kelly said the exchange carries no debt, maintains cash reserves equal to 6–9 months of operating expenses, owns capital assets including its building, and has returned an estimated $44 million in savings to Idahoans since inception.

Committee members asked questions about Medicaid-expansion impacts. Kelly explained that if Medicaid expansion were repealed, some currently expanded Medicaid enrollees would become eligible for marketplace tax credits (he said roughly 19,100 of the 85,000 expansion enrollees have incomes between 100% and 138% of the federal poverty level and would be eligible for credits); others would fall into a coverage gap and would not be eligible for credits.

Ending: Kelly said the exchange will continue to invest in technology, partner training and outreach to grow enrollment and serve Idahoans; committee members thanked him and indicated he might be called back as legislation advances.