Skip to main content
    FreeTwo 2027 reports
    Medicare Advantage · Idaho · enrollment Oct 2026

    Medicare Advantage in Idaho: 178,463 members, 7 carriers, UnitedHealth in front.

    UnitedHealth holds 41.9% of Idaho’s visible Medicare Advantage members, ahead of Gemstone Holdings, Inc. at 20.2% and Trinity Health Corporation at 12.8%. The market shrank −6.9% (−13,300 members) from Nov 2025 to Oct 2026 and stepped −14.7% at the 2026 election period. 45.8% of the state's Medicare beneficiaries are in a Medicare Advantage plan.

    Visible members
    178,463
    Oct 2026
    Carriers
    7
    46 plans with members
    MA penetration
    45.8%
    of 420,240 eligible
    Twelve months
    −6.9%
    −13,300 members
    Election step
    −14.7%
    December to January 2026
    Top three
    74.9%
    HHI 2,536, highly concentrated

    Every carrier with members in Idaho

    Ranked by visible members in Oct 2026. The twelve-month change runs Nov 2025 to Oct 2026; the election step is the carrier’s own December-to-January change. Counties led counts counties where the carrier has the most visible members and at least one other carrier is visible. UnitedHealth leads 29 of the 41 counties with a lead. At the election period Trinity Health Corporation stepped up most (+402.6%) and Gemstone Holdings, Inc. stepped down most (−56.9%).

    #CarrierMembersShareTwelve monthsElection stepCounties ledRating$0 premiumPlans
    1UnitedHealth74,701
    41.9%
    		+6.0%+0.5%29 of 434.0395%15
    2Gemstone Holdings, Inc.36,083
    20.2%
    		−53.2%−56.9%4 of 243.0011%8
    3Trinity Health Corporationends every plan for 202722,888
    12.8%
    		+491.3%+402.6%2 of 10––4
    4PacificSource17,057
    9.6%
    		+76.0%+45.8%6 of 153.00–4
    5Humana14,671
    8.2%
    		+62.7%+30.6%0 of 294.24100%12
    6Molina12,819
    7.2%
    		−8.3%−5.1%0 of 393.00100%2
    7Mitchell Family Office244
    0.1%
    		+156.8%+7.1%0 of 5–100%1

    Idaho county by county

    44 counties with visible members, largest first. A county’s leader is the carrier with the most visible members there; a county with one visible carrier shows no leader, because the others are suppressed, not absent. Penetration is Medicare Advantage members as a share of the county’s Medicare beneficiaries.

    CountyVisible membersCarriersLeaderLeader shareMA penetrationDual eligibles
    Ada56,0407UnitedHealth38.8%55.4%10,308
    Canyon29,9727UnitedHealth35.2%62.9%7,680
    Kootenai18,0854UnitedHealth38.7%41.2%5,129
    Twin Falls10,6416PacificSource31.6%56.1%3,164
    Bonneville8,1384UnitedHealth63.1%38.4%3,528
    Bannock7,4874UnitedHealth51.9%47.2%3,061
    Bonner5,5624PacificSource43.1%38.5%1,575
    Bingham3,6514UnitedHealth56.8%40.9%1,473
    Payette3,5706Gemstone Holdings, Inc.24.7%54.1%1,004
    Gem3,3947Gemstone Holdings, Inc.30.0%60.6%758
    Elmore2,4616UnitedHealth30.8%45.5%958
    Jerome2,2125PacificSource49.5%53.8%702
    Nez Perce2,1942UnitedHealth80.7%21.6%1,642
    Minidoka1,8944UnitedHealth59.5%44.6%731
    Jefferson1,8384UnitedHealth66.9%36.7%576
    Cassia1,7494UnitedHealth54.3%37.6%764
    Washington1,6376Trinity Health Corporation33.3%48.9%502
    Gooding1,6355PacificSource48.8%49.5%605
    Latah1,4912UnitedHealth92.2%25.0%846
    Owyhee1,4146Trinity Health Corporation27.6%53.8%504
    Valley1,3376PacificSource51.5%41.1%236
    Shoshone1,2713UnitedHealth74.0%33.4%757
    Boise1,2446Gemstone Holdings, Inc.36.1%49.1%215
    Madison1,2394UnitedHealth60.2%33.3%484
    Boundary1,2012UnitedHealth89.2%31.9%463
    Blaine1,1253UnitedHealth94.9%20.4%326
    Idaho8472UnitedHealth95.0%17.4%702
    Franklin8463UnitedHealth74.8%32.4%266
    Fremont7884UnitedHealth53.9%29.4%343
    Adams4904UnitedHealth64.5%34.9%159
    Benewah4492UnitedHealth81.5%16.8%548
    Power4404Gemstone Holdings, Inc.47.3%32.1%238
    Lincoln4124UnitedHealth51.5%45.8%162
    Clearwater3762UnitedHealth86.7%15.3%395
    Caribou2283UnitedHealth64.0%18.2%119
    Oneida2003UnitedHealth67.0%22.3%112
    Custer1862UnitedHealth93.0%14.9%140
    Lemhi1721one visible carrier–8.5%361
    Teton1632UnitedHealth92.6%13.4%108
    Lewis1432UnitedHealth79.0%11.1%400
    Bear Lake1102UnitedHealth63.6%11.0%176
    Camas972PacificSource50.5%34.0%22
    Butte211one visible carrier–5.3%117
    Clark131one visible carrier–24.8%18

    Idaho's twelve months

    Visible Medicare Advantage members in Idaho each month, Nov 2025 to Oct 2026. The December-to-January step is the election period; the rest of the year moves on new eligibles, special enrollment and deaths.

    Nov 2025 · 191,763Oct 2026 · 178,463

    What 2027 does to Idaho

    The fate assigned to every plan for 2027, joined to the members in it today. A plan that ends sends its members to choose again; a plan dropping counties keeps the plan but not every county, and which counties is not stated.

    Plans that end
    50,256

    members in Idaho are in plans that end for 2027; Trinity Health Corporation ends every plan in the state.

    • Trinity Health Corporation · every plan22,888
    • PacificSource17,057
    • UnitedHealth4,517
    • Humana3,065
    • Molina2,729
    Plans dropping counties
    42,785

    members are in plans that keep selling in Idaho but drop at least one county for 2027.

    • UnitedHealth · 8 plans33,092
    • Humana · 6 plans9,449
    • Mitchell Family Office · 1 plans244

    The plans on sale in Idaho for 2027

    Benefit design weighted by each plan’s members today, so a figure is what the market’s members are offered, not a count of plans. The rating is the 2027 overall Star Rating, weighted the same way.

    $0 premium
    72%

    of members are in a plan with no monthly premium

    In-network maximum
    $7,000

    median out-of-pocket maximum, member weighted

    Star Rating
    3.61

    2027 overall, member weighted

    Carrier Command · for Medicare Advantage plans

    The read on every carrier in Idaho is in Carrier Command.

    A monthly position page for each of the 7 carriers here: risk and rebate against the market, Stars levers, the election-period forecast, county standing and the written read. Launching for Medicare Advantage plans.

    Request early access See Carrier Command

    Other states

    Every state has its own page; the largest carriers have one nationally.

    UnitedHealth in every state · Gemstone Holdings, Inc. in every state · Trinity Health Corporation in every state · All states and carriers

    How these numbers are made

    • Members are visible members: CMS suppresses any plan-county cell of ten or fewer, so small counties undercount. Market share excludes employer group plans.
    • Enrollment is Oct 2026; the twelve months run Nov 2025 to Oct 2026; the election step compares December 2025 with January 2026.
    • Plan fates are the ones assigned for contract year 2027; benefit design is the 2027 filing; the rating is the 2027 overall Star Rating of each carrier's contracts, weighted by members in Idaho.
    • A carrier is a parent organization; its brands in Idaho may carry other names. The rank 1st to 7th counts every parent with visible members in 2026.
    • Every figure comes from public CMS data as Livmor reads it, and the page is rebuilt when a new month posts. Livmor Carrier Command, public CMS data.