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Compare private PPO, HMO, and ACA Marketplace health insurance plans in Pierce, ID. Coverage available year-round — free guidance from a licensed local agent.
Pierce is a community of ~510 people in Clearwater County, Idaho. Pierce's Clearwater County community near Idaho's first gold rush site creates a tiny market navigating Idaho marketplace enrollment in the remote Clearwater Mountains.
Before you choose a plan, it helps to understand how health insurance works in this area — including which carriers are active, what the local provider networks look like, and how Idaho's insurance market affects your options.
As an independent licensed agency, CoverPath works with all major carriers to help Pierce residents find the right coverage. We represent you — not the insurance company. Our consultations are always free.
Pierce
City
Clearwater County
County
~510
Population
44
Median Age
Idaho runs Your Health Idaho, a state-based ACA marketplace covering 130,000+ residents. Idaho expanded Medicaid in 2020 through Proposition 2, adding over 100,000 residents. Medicare covers 310,000+ Idaho residents. Idaho is one of the fastest-growing states, with tech workers relocating from California creating new insurance planning needs.
Answer a few quick questions and get a personalized recommendation — or book a free call with a licensed agent who knows the Clearwater County market.
Pierce residents in Clearwater County have access to plans from Blue Cross Blue Shield, UnitedHealthcare, Ambetter, Cigna, Oscar Health, and Molina Healthcare through the ACA Marketplace and as off-marketplace private plans. Plan availability varies by ZIP code within the county. A licensed ID agent can show you every plan available at your address at no cost.
Health insurance premiums in Pierce depend on your age, plan type, and whether you qualify for ACA subsidies. Many Pierce residents who qualify for premium tax credits pay $0–$100/month for a Silver plan. Without subsidies, individual premiums typically range from $300–$700/month depending on age and plan tier. A licensed ID agent will calculate your exact subsidy amount for free.
Outside of the ACA Open Enrollment Period (November 1–January 15), you can still get coverage if you have a qualifying life event — such as losing a job, getting married, having a baby, or losing other coverage. This triggers a 60-day Special Enrollment Period. A licensed ID agent can confirm whether you qualify and help you enroll quickly.