Medicare Supplement Insurance (Medigap) helps Idaho seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. Idaho residents can choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Idaho
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 42,915 |
| 2 | F | 38,415 |
| 3 | N | 7,461 |
Note: Plans E, H, I, and J were retired nationwide. Pre-standardized plans (sold before July 1992) may still exist but cannot be purchased today.
Did you know? Idaho law caps Medigap premiums for under-65 beneficiaries at just 150% of the standard age-65 rate, making it one of the few states to limit pricing for disabled Medicare enrollees and those with end-stage renal disease (ESRD).
How Medigap Pricing Works in Idaho
Insurers use different rating methods to calculate premiums, which determines how costs change over time. In Idaho, policies may follow one of three pricing models:
- Attained-age rated – Premiums rise as you get older.
- Issue-age rated – Premiums are based on your age at the time of purchase and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Idaho
Idaho requires insurers to offer all Medigap plans to Medicare beneficiaries under 65. Premiums for this group cannot exceed 150% of the rate charged to age-65 beneficiaries, giving younger enrollees stronger protections than in many other states.
Choosing a Medigap Plan in Idaho
Plan G has become the leading choice among Idaho beneficiaries, offering nearly identical coverage to Plan F but with lower premiums for new enrollees. Plan N is also a popular option for those seeking budget-conscious coverage. Every Medigap plan works nationwide at providers that accept Medicare, ensuring Idaho residents have flexible coverage whether they receive care in Boise, Coeur d’Alene, or across the U.S.
To compare premiums and explore plan options in your area, visit our Medigap rate comparison page.