Your Health Idaho reports record enrollment but warns affordability pressures after tax-credit changes

Pat Kelly, executive director of Your Health Idaho, told the House Health and Welfare Committee that the exchange recorded record open-enrollment figures and strong customer-satisfaction metrics in 2025 and during open enrollment 2026. "Your Health Idaho is Idaho's health insurance marketplace," Kelly said, noting the exchange delivered more than 139,000 enrollments in 2025 and that over 144,000 Idahoans selected a health or dental plan during open enrollment 2026.

Kelly highlighted performance metrics: high retention (83% renewal rate), a Net Promoter Score averaging 76 in 2025, and financial self-sufficiency with no state funding. He said about 90% of enrollees receive a tax credit and that the exchange's assessment fee for plan year 2025 was $11.75 per member per month; total assessment revenue for FY25 was about $15,000,000.

Committee members asked for detail on plan downgrades and affordability. Kelly said many consumers "bought down" to bronze plans and that roughly 23,000 new medical enrollments were recorded while disenrollments totaled about 9,000 during the period discussed. He gave illustrative household impacts for the loss of enhanced tax credits: "In the Treasure Valley, a family of 4 making about $85,000 a year saw their net premium... increased by about $12,000 a year," he said, and he added that the vast majority of the rise in net premiums was due to expiration of the enhanced credits rather than purely carrier price increases.

Kelly said the exchange expanded outreach and agent/broker support, increased in-person enrollment events, and implemented system changes to improve income verification accuracy. Committee members thanked Kelly and asked follow-ups about retention trends and premium impacts; Kelly said dis-enrollment continued after the close of open enrollment and that enrollment would likely stabilize by mid-April or early May.