St. Luke’s Health Plan
St. Luke's Health Plan is a not-for-profit Idaho health insurer and wholly-owned subsidiary of St. Luke's Health System, offering individual, family, and employer group plans across a 20-county southwest Idaho service area through an integrated doctor-insurance care model.
- Company typePrivate
- Founded2022
- HeadquartersBoise, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What St. Luke’s Health Plan does
St. Luke's Health Plan is a not-for-profit health insurance subsidiary of St. Luke's Health System, incorporated in 2022 and operationally effective January 2023, headquartered in Boise, Idaho. It provides individual, family, and employer-sponsored health plans across a 20-county service area in southwest and south-central Idaho, sold through the Your Health Idaho state marketplace, licensed broker/agent channels, direct enrollment, and direct employer sales. The plan is differentiated by an integrated care model in which the parent health system's 7,100+ doctor network — roughly one-third St. Luke's providers and two-thirds independent practitioners — is structurally aligned with the insurer, enabling fewer pre-authorizations and $0 copays for primary, preventive, behavioral health, and maternity care.
The company's core technology stack centers on Epic's MyChart member portal, the EpicCareLink provider portal for credentialing and administration, and MCG Care Guidelines for clinical decision support. Member-facing tiered plans include Bronze, Silver, Gold, and HSA-eligible variants for individuals and families, alongside small-group (2-50 employees) and large-group (51+) employer products. Strategic partnerships extend the offering: Delta Dental of Idaho provides enhanced dental benefits for large employers (effective January 2024), and a Cigna Healthcare wrap network agreement (announced October 2025) provides nationwide coverage at in-network benefit levels. Additional supplier relationships include BPA Health for EAP services and Spring Health for mental health network access. NCQA national accreditation was earned in February 2025.
Revenue is generated entirely through recurring insurance premiums on individual/family plans and small/large employer group plans — Bronze, Silver, Gold, and HDHP tiers — with optional enhanced dental premium through Delta Dental and nationwide wrap-network access funded as part of the membership. Pricing is subscription, billed monthly, with tiered structures exposing higher deductibles at lower premiums (Bronze/HDHP) and lower deductibles at higher premiums (Gold). The customer base spans individuals and families purchasing on or off exchange, small and large employers offering group coverage, and a provider network paid through standard claims adjudication. No external investors are present; the plan is wholly owned by the non-profit St. Luke's Health System and capitalized internally.
St. Luke’s Health Plan firmographics
Firmographics- Name
- St. Luke’s Health Plan
- Legal name
- St. Luke's Health Plan
- Website
- https://stlukeshealthplan.org
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- St. Luke's Health Plan is a not-for-profit Idaho health insurer and wholly-owned subsidiary of St. Luke's Health System, offering individual, family, and employer group plans across a 20-county southwest Idaho service area through an integrated doctor-insurance care model.
- Ownership category
- akta.pro rank
St. Luke’s Health Plan industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Fully Insured Group Health Plans (Employer-Sponsored) (FSAIAFAA)
- akta.pro secondary industries
- Small Group Health Insurance (2–50/100) (FSAIAFAD), Fully Insured Small Group Plans (HLAEAAAB), ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA), Off-Exchange Individual Major Medical Plans (FSAIAEAB), Off-Exchange Individual & Family Plans (HLAEABAB)
Keywords
Where St. Luke’s Health Plan is headquartered
LocationHeadquarters
- HQ city
- Boise
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
St. Luke’s Health Plan business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Individual and Family Health Insurance Premiums: Recurring premiums from individual and family health insurance plans (Bronze, Silver, Gold tiers) offered on and off the state insurance exchange. Plans cover primary care, preventive care, behavioral health, maternity care, and pharmacy benefits.
- Employer Group Health Insurance Premiums: Recurring premiums from small and large employer group health insurance plans. Employers can offer 2-3 plan options depending on group size. Includes comprehensive medical benefits and optional enhanced dental benefits through Delta Dental partnership.
- Wrap Network Services: New nationwide coverage access through Cigna Healthcare wrap network agreement, strengthening care access for members outside the primary Idaho service area.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | 2026 Expanded Bronze - HSA-eligible plan with lower premiums and higher out-of-pocket costs |
| Subscription | Monthly | 2026 Expanded Bronze HDHP - High-Deductible Health Plan with HSA option |
| Subscription | Monthly | 2026 Silver - Mid-tier plan for average individuals and families |
| Subscription | Monthly | 2026 Gold - Premium plan with lower deductibles |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
St. Luke’s Health Plan product offering
Product offeringCore offering
St. Luke's Health Plan sells regulated health insurance plans to individuals, families, and employer groups across 20 counties in Idaho. Plans are offered in Bronze, Silver, and Gold metal tiers with $0 copays for primary, preventive, behavioral health, and maternity care, and include pharmacy benefits, virtual care, and nationwide access via the Cigna wrap network. The plan leverages its parent health system's integrated provider network of 7,100+ doctors and specialists to deliver fewer pre-authorization requirements and aligned doctor-insurer incentives.
Differentiator
Problem solved
Functional benefit
Products and services
- Individual & Family Health Plans (Bronze, Silver, Gold) ACA-compliant individual and family health insurance plans sold in Idaho metal tiers (Bronze, Silver, Gold), available on and off the Your Health Idaho state exchange. Plans cover primary care, preventive care, behavioral health, maternity care, and pharmacy benefits, with $0 copays for primary, preventive, behavioral health, and maternity care, and lower pre-authorization requirements.
- Small Business Group Health Plans (2–50 employees) Group health insurance for Idaho small businesses with 2–50 employees. Employers can offer 2-3 plan options depending on group size, with comprehensive medical benefits including primary care, preventive care, behavioral health, and pharmacy benefits.
- Large Business Group Health Plans (51+ employees) Group health insurance for Idaho large employer groups with 51+ employees, with 2-3 plan options available. Plans include comprehensive medical benefits and optional enhanced dental benefits through the Delta Dental partnership for employees with cancer, diabetes, heart disease, or pregnancy.
- Enhanced Dental Benefits Program Additional dental coverage offered through a partnership with Delta Dental of Idaho for large employer group enrollees with specific health conditions including cancer, diabetes, heart disease, and pregnancy. Qualifying employees receive extra dental services such as additional cleanings or fluoride treatments.
- Nationwide Coverage via Cigna Wrap Network Added nationwide care access for members traveling or living outside the 20-county Idaho service area through a Cigna Healthcare PPO wrap network agreement. All covered services from in-network providers — whether in Idaho or nationwide — are provided at the in-network benefit level.
Quantifiable outcome
- $0 copays for primary and preventive care, behavioral health care, maternity care, on-demand virtual care
Companies that use St. Luke’s Health Plan
Customer profileSegments3 records
Ideal customer profiles2 records
St. Luke’s Health Plan technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
St. Luke’s Health Plan partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and supporting.
- Cigna HealthcarecoreWrap network agreement providing St. Luke's Health Plan members with nationwide access to care through the Cigna Healthcare PPO Network. All covered services from in-network providers—whether in Idaho or nationwide—are provided at the in-network benefit level. This partnership significantly strengthens the plan's ability to serve members traveling or living outside the primary 20-county Idaho service area.
- Delta Dental of IdahocorePartnership to offer enhanced dental benefits for large employer groups (51+ employees) with specific health conditions including cancer, diabetes, heart disease, and pregnancy. Qualifying employees receive extra dental benefits like additional cleanings or fluoride treatments. Available starting January 1, 2024 in the 20-county coverage area.
- BPA HealthsupportingEmployee Assistance Program (EAP) provider offering comprehensive 5-Session Model with meaningful problem-solving support for employees and their families. Provides 24/7 crisis support, legal and financial resources, and confidential counseling services.
- Spring HealthsupportingMental health network partner providing Spring Health services as part of the mental health benefits offerings for employer clients.
- Your Health IdahocoreState health insurance marketplace where St. Luke's Health Plan options are available for comparison shopping and enrollment. Individual health insurance enrollment occurs through this marketplace during open enrollment (Oct 15 - Dec 15) and special enrollment periods.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
St. Luke’s Health Plan competitors and assessment
Company assessmentBroad incumbents
- UnitedHealthcare: Largest U.S. health insurer offering individual, employer, and Medicare plans nationally including Idaho. Competes on marketplace, employer group, and supplemental products across the same counties.
- Cigna Healthcare: National health insurer and St. Luke's wrap network partner. Competes broadly in employer segments and supplemental products while also serving as a strategic infrastructure partner.
- Kaiser Permanente: Integrated payer-provider model in multiple western states. Most analogous peer in operating model (insurance + owned provider network) but does not currently operate in Idaho; serves as a strategic benchmark.
Direct peers
- SelectHealth: Non-profit health plan affiliated with Intermountain Health, operating in Idaho and Utah. Closely comparable as an integrated health-system-owned plan competing in overlapping geographies.
- Blue Cross of Idaho: Idaho's largest non-profit health insurer offering individual, family, and employer group plans across the state. Most direct competitor given overlapping geographic footprint and similar non-profit positioning.
- Mountain Health CO-OP: Consumer-oriented health CO-OP offering individual and small-group plans in Idaho and Montana. Competes on the Your Health Idaho marketplace with similar mission-driven positioning.
- PacificSource Health Plans: Non-profit regional health insurer serving Idaho, Oregon, Washington, and Montana. Competes directly with St. Luke's in individual and group markets across Idaho counties.
- Moda Health: Non-profit regional health plan serving Oregon, Alaska, Idaho, and Washington. Competes in Idaho individual and group markets with similar multi-state regional footprint.
- Regence BlueShield of Idaho: Regence's Idaho affiliate offering individual and group plans across the state. Direct competitor on the Idaho state marketplace and in employer segments.
Regional players
- Premera Blue Cross: Pacific Northwest non-profit Blue Cross plan serving Washington and Alaska with selective Idaho presence. Comparable as a regional non-profit carrier, though primarily a Washington-focused peer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
St. Luke’s Health Plan social profiles
Digital presenceSt. Luke’s Health Plan financial estimates
Financial estimateRevenue estimate
Valuation estimate
St. Luke’s Health Plan leadership team
Management profileNumber of profiles
Profiles1 record
St. Luke’s Health Plan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
St. Luke’s Health Plan M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about St. Luke’s Health Plan
What does St. Luke’s Health Plan do?
St. Luke's Health Plan sells regulated health insurance plans to individuals, families, and employer groups across 20 counties in Idaho. Plans are offered in Bronze, Silver, and Gold metal tiers with $0 copays for primary, preventive, behavioral health, and maternity care, and include pharmacy benefits, virtual care, and nationwide access via the Cigna wrap network. The plan leverages its parent health system's integrated provider network of 7,100+ doctors and specialists to deliver fewer pre-authorization requirements and aligned doctor-insurer incentives.
Is St. Luke’s Health Plan a public or private company?
St. Luke’s Health Plan is a private company. It is classified as corporate owned and is currently operating.
When was St. Luke’s Health Plan founded?
St. Luke’s Health Plan was founded in 2022. It employs 51 to 100 people.
Where is St. Luke’s Health Plan based?
St. Luke’s Health Plan is headquartered in Boise, United States, in the North America region.
How does St. Luke’s Health Plan make money?
Three revenue lines are on record. Individual and Family Health Insurance Premiums are the primary driver. The others are employer Group Health Insurance Premiums and wrap Network Services.
Who are St. Luke’s Health Plan's main competitors?
Broad incumbents on record are UnitedHealthcare, Cigna Healthcare and Kaiser Permanente. Direct peers are SelectHealth, Blue Cross of Idaho, Mountain Health CO-OP, PacificSource Health Plans, Moda Health and Regence BlueShield of Idaho. Premera Blue Cross is listed as a regional player.
Does St. Luke’s Health Plan have an API?
No public API is recorded for St. Luke’s Health Plan.
What industry is St. Luke’s Health Plan in?
St. Luke’s Health Plan's product category is Health Insurance. Its primary akta.pro industry code is FSAIAFAA, Fully Insured Group Health Plans (Employer-Sponsored), with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524114 and its SIC code is 6324.