BoiseInsure.net

When you take the sign so literally that it requires you make physical modifications to the building, you might need BoiseInsure.net on your side. (Yes this was OUR building, so we couldn't resist!)

Idaho Department of Insurance News Release
For immediate release: August 4, 2026
Contact: Julie Robinson, 208-334-4312
[email protected]

DOI Publishes Preliminary Qualified Health Plan Insurance Rates for 2027
BOISE, ID (August 4, 2026) – The Idaho Department of Insurance (DOI) has received preliminary premium rates from health insurance carriers for Qualified Health Plans to be sold starting January 2027. The DOI is seeking public comments before rates are finalized.

The DOI is reviewing premium rate submissions from health insurance carriers for 2027’s individual and small group Qualified Health Plans. These proposed health insurance premium rates are published on the DOI website at https://doi.idaho.gov/consumers/health-insurance/idaho-rate-review/. The average proposed change in premium by location, metal level, and the corresponding 2027 rates by plan, as well as the carriers’ explanations for the changes, are available for public review and comment. Health carriers filed an average individual plan rate change of 13%, and an average small group plan rate change of 12%.

By law, the DOI only has the authority to determine the rates “unreasonable” if the requests are not adequately justified by actuarial standards of practice. Final rates will be publicly available October 1, 2026, at the same web address. Idaho’s 2027 increases are similar to the national average, demonstrating the continued stability of Idaho’s market. Idaho is in year four of the five-year Health Innovation 1332 waiver, which lowered individual market rates in 2026 by 18% compared to what they would have been without the waiver. In 2027, Idaho’s Health Innovation 1332 waiver will maintain individual health insurance premiums 16% lower than they would be without the waiver.

“The continued effect of the 1332 waiver, combined with the Governor and Legislature’s efforts to minimize cost drivers, has helped Idaho maintain more stable and competitive rates over the past several years,” said Idaho Department of Insurance Director Dean Cameron. “Although the increasing cost of medical care continues to drive premiums higher, Idaho’s rates are expected to remain lower than most other states.”

The 1332 waiver and the Idaho High Risk Reinsurance Pool have helped keep Idaho’s individual health insurance market highly competitive and healthy. Idaho consumers can expect to choose from 7 health carriers and 144 plans on the marketplace for 2027 (visit yourhealthidaho.org). Very few states have as many carriers or options.

Comments, questions, or ideas can be submitted via online form at https://doi.idaho.gov/contact-doi/?id=285 or mailed to the following:

2027 Rate Comments

Idaho Department of Insurance

PO Box 83720

Boise ID 83720-0043

The DOI encourages consumers to carefully review all their options with a licensed insurance agent once the final rates are published.

# # #



About the Department of Insurance

The Idaho Department of Insurance has been regulating the business of insurance in Idaho since 1901. The mission of the Department is to serve and protect Idahoans by equitably, effectively and efficiently administering the Idaho Insurance Code and the International Fire Code. For more information, please visit us at doi.idaho.gov or email us at [email protected].

July is National Vehicle Theft Prevention Month — a good reminder that a few simple habits can go a long way. Here's what NHTSA recommends to help protect your vehicle this summer: https://bit.ly/4uDVtVY and if you want to make sure your vehicle is covered correctly, reach out to your personal agent at BoiseInsure.net!

Vehicle Theft Prevention | NHTSA Motor vehicles are the primary mode of transportation for most of us, and often an indispensable part of our lives. But what would happen if your

Idaho Department of Insurance Consumer Alert
For immediate release: May 26, 2026
Contact: Julie Robinson, 208-334-4312
[email protected]

May is Wildfire Awareness Month — Take Steps Today to Protect Your Home and Property
BOISE, ID (May 26, 2026) – Gov. Brad Little has declared May as Wildfire Awareness Month in Idaho, underscoring the importance of preparing homes, families, and communities as we head into the hot summer months. With wildfire activity continuing to increase in frequency and intensity across the West, the Idaho Department of Insurance (DOI) and the Idaho State Fire Marshal’s Office urge Idahoans to use this time as a reminder to prepare their homes, review their insurance coverage, and take meaningful steps to reduce wildfire risk before peak summer fire conditions set in.

“Wildfires can ignite and spread quickly, leaving little time to react,” said Director Dean L. Cameron. “Preparation is the key to protecting your home and your financial well‑being. Taking simple steps now — and reviewing your insurance coverage before a fire starts — can make all the difference during wildfire season.”

Prepare Your Home: Hardening Tips from the Department of Insurance The DOI has developed a one‑page guide with practical steps homeowners can take to “harden” their homes against wildfire. These actions can significantly lower the chances of ignition during a wildfire event. Tips include:

Creating and maintaining defensible space around your home
Clearing gutters, roofs, and decks of leaves and debris
Installing ember‑resistant vents and screening openings
Using fire‑resistant materials for roofing, siding, and fencing
Keeping vegetation trimmed and removing dead brush near structures
Small improvements made today can make a big difference when wildfire embers begin to blow.

Review Your Insurance Coverage Before Fire Season The DOI encourages homeowners and renters to review their insurance policies with their agents to ensure:

Whether your policy has adequate coverage
If your coverage limits reflect today’s construction and replacement costs
Whether you have an up‑to‑date home inventory
If you are aware of your deductible, exclusions, and any special requirements
Wildfire losses can be devastating, having the right coverage in place before a fire starts is essential.

Stay Informed and Be Ready Wildfire Awareness Month is the perfect time to learn more about wildfire risk and prevention. Idahoans can find additional fire‑prevention resources through the National Interagency Fire Center at nifc.gov.

For insurance questions or help understanding your policy, contact the Idaho Department of Insurance at doi.idaho.gov or call our Consumer Affairs team at 1-800-721-3272.

Good information, a few I was surprised about, what say you?

Idaho Warned to Remove These Common 7 Items From Garage in Freezing Temps Just because we haven’t had a lot of snow doesn’t mean that winter is over yet.

This is really helpful information to get you prepared for COLD weather this season:

Most homeowners insurance policies will cover damage from frozen pipes that burst if it’s abrupt and accidental, but claims can be denied if the pipes froze due to negligence. Brush up on these best practices for preventing frozen pipes: http://bit.ly/43xH2av

Looking good with our new backlit sign at: BoiseInsure.net 25 E Fairview Ave, Ste #232, Meridian, ID 83642. See you soon?