Your Health Idaho reports record enrollments, cost‑sharing metrics and platform changes to committee

Pat Kelly, executive director of Your Health Idaho, delivered the exchange’s annual report to the House Health and Welfare Committee, summarizing 2024 outcomes and open enrollment results for plan year 2025.

"Your Health Idaho is Idaho's health insurance marketplace . . . where it's easy to shop, compare, and choose plans from eight medical carriers and five dental carriers," Kelly said, noting the exchange’s role as the only place Idahoans can apply for and receive federal premium tax credits that lower monthly premiums.

Kelly told legislators the exchange ended 2024 with an average enrollment of about 120,000 Idahoans and said open enrollment 2025 was record‑setting: over 139,000 Idahoans selected a plan during the open‑enrollment period. "For open enrollment 2025, Your Health Idaho achieved a net promoter score of 73," Kelly said, and added that more than 97% of customers had paid for coverage as of the morning of the presentation.

Kelly described operational and financial metrics: in plan year 2024 the assessment fee was 2.49 percent of premium; for 2025 the exchange will shift to a per member per month fee of $11.75 (Kelly said this translates to about 2.44 percent on an apples‑to‑apples basis). Kelly said the exchange carries no debt and maintains cash reserves equal to six to nine months of operating expenses and that it has delivered roughly $44 million in savings to Idahoans since inception through lower assessment fees.

Committee members followed with questions. Representative Lovett asked about consumer costs; Kelly said average net premium (the consumer’s out‑of‑pocket premium after tax credits) is about $120 per month per enrollee but varies by household income, location and plan choice. "On average, people enrolled in a medical plan pay about $120 per month per enrollee," Kelly said.

Representative Furman asked where agent and broker commissions come from. Kelly said carriers compensate agents and brokers directly and the exchange does not handle those payments. "The exchange does not compensate agents or brokers in any way. . . That compensation, we never interact with in any way," he said.

Other points Kelly reported: about 71 percent of enrollments work with an agent, broker or enrollment counselor; the exchange supports more than 1,100 certified consumer connectors; about one‑third of enrollees pay less than $25 per month and roughly 26 percent pay $10 or less; since October 15, 2022, enrollment has grown about 84 percent (about 64,000 more Idahoans). Kelly said the exchange deployed new website features, bilingual customer advocates, and a provider of pop‑up in‑person enrollment events across the state (19 in‑person pop ups in open enrollment 2025 and 73 community events).

Committee members asked for follow‑up research on benefit design questions outside the exchange’s plan management role, such as whether behavioral health services are available on exchange plans; Kelly said plan benefits and management are handled by the Idaho Department of Insurance and offered to follow up with the department.

No committee action or votes resulted from the presentation; the session concluded after questions and committee remarks.