41809 offers this marketplace health insurance plan (Plan ID 41809ID0010002) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.
Metal level: HighPlan type: PPOCSR: Standard High On Exchange PlanIssuer: 41809
Telehealth
Data pending
HSA eligible
Check with issuer
Dental
Not listed
Vision
Not listed
Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Idaho). Submit changes before the deadline to avoid a coverage gap.
Enroll by Dec 15 for Jan 1 starts.
Finalize plan switches before the window closes.
Special Enrollment Periods
You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).
Report the event within 60 days.
Keep documentation handy for Healthcare.gov or your state exchange.
CSR & subsidy reminders
Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.
Enter accurate income to maximize Advanced Premium Tax Credits.
Standard High On Exchange Plan plans like this one keep deductibles and copays lower if you qualify.
Thinking about switching?
Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.
Match provider networks so ongoing care isn’t disrupted.
Confirm prescriptions stay on-formulary or budget for tier changes.
Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.
Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 17 Feb 2026 06:34 GMT).
All providers in IdahoN/A
PCPs in IdahoN/A
Telehealth supportData pending
Nationwide providersN/A
N/A doctors statewideN/A PCPsN/A OB/GYN
Provider network(s)
['PREFERRED']
Providers
Idaho
All US states
All
N/A
N/A
PCP
N/A
N/A
Allergy
N/A
N/A
OB/GYN
N/A
N/A
Dentists
N/A
N/A
Drug coverage overview
0 drugs tracked
Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.
Prior authorization
Drugs
Required
0
Not Required
0
Step therapy
Drugs
Required
0
Not Required
0
Quantity limits
Drugs
Has Limit
0
No Limit
0
Customer highlights
What stands out for members
Issuer: 41809 · Plan ID 41809ID0010002 · 2025 filing.
Variant 41809ID0010002-01 (Standard On Exchange Plan) currently displayed.
Advertisement
Variant attributes
Smart Choice - High · Variant 41809ID0010002-01
Plan identifiers & tier
Issuer-provided metadata for this variant.
Business Year
2025
CSR Variation Type
Standard High On Exchange Plan
HIOS Product ID
41809ID001
Metal Level
High
Plan ID (Standard Component ID with Variant)
41809ID0010002-01
Plan Marketing Name
Humana Dental Smart Choice - High
Plan Variant Marketing Name
Humana Dental Smart Choice - High
Issuer & service area
Issuer-provided metadata for this variant.
Issuer ID
41809
Market Coverage
Individual
Multiple In Network Tiers
No
National Network
Yes
Network ID
IDN001
Out of Country Coverage
No
Out of Service Area Coverage
Yes
Out of Service Area Coverage Description
Any covered expense incurred for services received from an out of network provider will be covered at a lower coinsurance, based on the maximum allowable fee and providers can balance bill which will result in higher out of pocket costs, except for covered expense incurred for services received outside of the service area as required by law for emergency care services.
Service Area ID
IDS001
State Code
ID
Cost sharing & actuarial values
Issuer-provided metadata for this variant.
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family
per person not applicable | per group not applicable
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out
Not Applicable
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family
$425 per person | $850 per group
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Individual
$425
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family
per person not applicable | per group not applicable
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Individual
Not Applicable
Additional attributes
Issuer-provided metadata for this variant.
Child-Only Offering
Allows Adult and Child-Only
Composite Rating Offered
No
Dental Only Plan
Yes
EHB Apportionment for Pediatric Dental
99.73%
First Tier Utilization
100%
Import Date
1/13/2025
Guaranteed Rate
Guaranteed Rate
IsItANewPlan
New
Medical EHB Deductible, Combined In/Out of Network, Family
per person not applicable | per group not applicable
Medical EHB Deductible, Combined In/Out of Network, Individual
Not Applicable
Medical EHB Deductible, In Network (Tier 1), Family
$50 per person | per group not applicable
Medical EHB Deductible, In Network (Tier 1), Individual
$50
Medical EHB Deductible, Out of Network, Family
$50 per person | per group not applicable
Medical EHB Deductible, Out of Network, Individual
$50
Plan Effective Date
1/1/2025
Plan Type
PPO
QHP/Non QHP
Both
Source Name
SERFF
Plan ID
41809ID0010002
Version Number
1
Wellness Program Offered
No
Copay & coinsurance
Pharmacy cost sharing by tier
Drug tier
Pharmacy type
Copay amount
Copay option
Coinsurance rate
Coinsurance option
Mail order
Questions & answers
Frequently asked questions
How do I choose the right ACA plan in Idaho?
Smart Choice - High (41809ID0010002) is a High PPO from 41809 in Idaho for the 2025 coverage year.
Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.
Does Smart Choice - High support telehealth or virtual urgent care?
The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.
Is Smart Choice - High HSA-eligible and does it include dental or vision coverage?
HSA eligibility is not published; check the Summary of Benefits or ask the issuer.
Dental coverage is not listed for this plan.
Vision coverage is not listed for this plan.
Does Smart Choice - High support mail-order prescriptions?
Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.
Is there out-of-country coverage for Smart Choice - High?
No, out-of-country services are not covered for this plan.
Does Smart Choice - High cover care outside the service area?
Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Any covered expense incurred for services received from an out of network provider will be covered at a lower coinsurance, based on the maximum allowable fee and providers can balance bill which will result in higher out of pocket costs, except for covered expense incurred for services received outside of the service area as required by law for emergency care services.
How do I enroll in or manage payments for Smart Choice - High?
Disclaimer: Based on the Tue, 17 Feb 2026 06:34 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
