Medicare Advantage Plans in Idaho 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Idaho has about 360,000 Medicare beneficiaries, with roughly 39 percent enrolled in Advantage plans. Boise and the Treasure Valley have the most plan options. Central and northern Idaho, including much of the state's land area, have limited plan availability due to rural geography and provider shortages.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Idaho.
Rural Coverage Note
Parts of Idaho have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Idaho Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Idaho
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Idaho
Many Idaho residents outside the Boise metro find Medigap more practical than Advantage. The state's rural character and limited in-network provider options in many counties make the flexibility of Original Medicare with a Medigap supplement attractive.