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Your Health Idaho reports record enrollment, high customer satisfaction and $44 million in savings
Summary
Pat Kelly, executive director of Your Health Idaho, told the House Health and Welfare Committee that the state’s exchange logged record open enrollment for 2025 and high customer satisfaction while keeping operating costs low and returning about $44 million in savings to Idahoans since inception.
Pat Kelly, executive director of Your Health Idaho, presented the exchange's annual report to the House Health and Welfare Committee and summarized 2024 operations, open enrollment 2025 results and plans for 2025.
Kelly said Your Health Idaho is "the only place Idahoans can apply for and receive a tax credit which lowers the cost of their monthly premium." He told the committee the exchange finished 2024 with an average enrollment of about 120,000 Idahoans and during open enrollment 2025 roughly 139,000 Idahoans selected plans. Kelly said 47% of enrollees had been enrolled through the exchange for four or more years, a marker he cited as evidence of the exchange's ongoing role in the state's health‑insurance landscape.
Kelly highlighted operational outcomes: roughly 90% of enrollees receive an Advance Premium Tax Credit (APTC), 90% of enrollments are completed via self‑service tools, inbound customer inquiries fell 16% while enrollments rose 21% (a net efficiency gain), and the exchange maintained low operating costs relative to other state exchanges. He also said the exchange's cumulative savings to Idahoans through assessment reductions totaled about $44 million since inception.
Kelly described investments made in 2024: new website and help center features, improved user interface elements ("learn more" popups and clearer explanations), a new employer‑coverage affordability calculator, bilingual customer advocates and expanded training for agents and brokers. He said Your Health Idaho runs three scheduled technology releases per year to keep the platform current and avoid costly wholesale replacements.
Committee members asked about consumer costs and credits. Kelly said average net premium paid by enrollees was about $120 per month per enrollee, that roughly one‑third pay less than $25 per month and that about 26% pay $10 or less. He said overall tax‑credit dollars flowing to lower premiums are about $400 million per year and that roughly 91% of enrollments receive a tax credit. Kelly told lawmakers the exchange does not handle those federal tax‑credit dollars; the U.S. Treasury pays subsidies directly to carriers based on exchange data.
Lawmakers thanked Kelly for the report and praised the exchange's performance. Kelly closed by noting the exchange will continue to invest in outreach, agent/broker partnerships and technology while adhering to conservative fiscal practices.
