Idaho Department of Insurance

What Idaho Department of Insurance does

The Idaho Department of Insurance is a state government regulatory agency headquartered at 700 W. State Street, Boise, Idaho, founded in 1901 and operating with 62 employees. It administers Title 41 of the Idaho Insurance Code and the International Fire Code, regulating all insurance activity within the state of Idaho. The Department is structured around three service lines: consumer services (complaint intake under the No Surprises Act and for pharmacy benefit managers, fraud reporting, and education across auto, health, home, life, long-term care, and other lines), industry services (agent and entity licensing through the NAIC SBS platform, continuing education tracking, rate and form filings across annuities, health, life, property and casualty, Medicare supplement, long-term care and life settlements, plus company admissions, examinations, and self-funded health plan oversight), and the State Fire Marshal function (fire prevention, fire investigation, plan reviews, licensing/certification, and the National Emergency Response Information System).

Its flagship consumer-facing program is SHIBA (Senior Health Insurance Benefits Advisors), Idaho's State Health Insurance Assistance Program (SHIP), which provides free, unbiased Medicare counseling to Idaho seniors through trained volunteer counselors, an 800-number helpline, community workshops at libraries and community centers, and assistance with Medicare Savings Programs (QMB, SLMB, QI) and Extra Help/LIS enrollment. SHIBA is partially funded by the U.S. Department of Health and Human Services Administration for Community Living (ACL), and quality-of-care complaints are referred to Kepro, the Medicare Quality Improvement Organization. The Department also administers a 1332 State Innovation Waiver (Idaho reinsurance program), an active federal-pass-through healthcare reform initiative, and publishes a public Rate Review portal exposing individual health plan rate justifications for 2026.

Its business model is non-commercial: funding flows through Idaho state general revenue appropriations, industry licensing fees, premium taxes, and assessments, rather than product or service sales. Outreach channels include the doi.idaho.gov website, GovDelivery email newsletters, Facebook/Twitter/YouTube/LinkedIn/Instagram accounts, press releases, and in-person community Medicare workshops. Customer concentration is effectively captive across two segments — Idaho insurance consumers and the licensed Idaho insurance industry — with no churn or revenue concentration risk in the commercial sense.

Name

Idaho Department of Insurance

Legal name

Idaho Department of Insurance

Website

https://doi.idaho.gov

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

State of Idaho regulatory agency administering the Idaho Insurance Code and International Fire Code, serving Idaho residents and the licensed insurance industry through consumer protection, licensing, fraud enforcement, Medicare counseling (SHIBA), and State Fire Marshal services.

Ownership category

akta.pro rank

Headquarters

HQ city

Boise

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Revenue model

1. Government Funding: State government agency funded through general state revenue and industry fees, taxes, and assessments

Distribution channels4 records

Marketing channels5 records

Core offering

The Idaho Department of Insurance is a state government regulatory agency that administers the Idaho Insurance Code (Title 41) and the International Fire Code. It regulates the insurance industry by licensing agents and companies, processing rate and form filings, investigating insurance fraud, and enforcing consumer protection laws. It also administers the State Fire Marshal program (fire prevention, investigation, plan review, certification) and runs the SHIBA program providing free Medicare counseling to Idaho seniors under a federal SHIP grant.

Product overview

The Idaho Department of Insurance is a state government regulatory agency that serves and protects Idahoans by administering the Idaho Insurance Code and International Fire Code. The department provides a unified platform of consumer services including: SHIBA (Senior Health Insurance Benefits Advisors) for Medicare assistance, insurance licensing services for industry professionals, consumer complaint and fraud reporting systems, State Fire Marshal services, and public access to rate review data and regulatory information. These services work together to provide comprehensive insurance regulation, consumer protection, and education for Idaho residents and the insurance industry.

Differentiator

Problem solved

Functional benefit

Brands

• SHIBA: Senior Health Insurance Benefits Advisors - Idaho's provider for the federal network of State Health Insurance Assistance Programs (SHIPs), providing free Medicare counseling and assistance to Idahoans.

Products and services

• SHIBA (Senior Health Insurance Benefits Advisors)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Kepro QIOcoreStrategic or Co-development PartnerKepro is the Quality Improvement Organization (QIO) contracted by Medicare to handle quality of care complaints. The Idaho Department of Insurance directs consumers with quality of care concerns to Kepro (www.keproqio.com, 1-888-305-6759) for issues such as medication errors, care quality, and patient safety complaints.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• California Department of Insurance: The California Department of Insurance is the largest U.S. state insurance regulator, performing the same core functions as the Idaho DOI — carrier licensing, rate review, consumer complaints, fraud enforcement, and SHIP-equivalent Medicare counseling (HICAP). It is the most functionally comparable peer given identical statutory mandate.
• Washington State Office of the Insurance Commissioner: Washington's OIC regulates insurance carriers, agents, and rates within Washington, including SHIP-equivalent (SHIBA) Medicare counseling. It is a directly comparable peer given similar population size, regional proximity, and identical statutory mandate structure.
• Oregon Division of Financial Regulation: Oregon's DFR regulates insurance, banking, and financial services in Oregon, with equivalent licensing, complaint, rate review, and fraud functions. As a regional neighbor with overlapping industry scope, it is a directly comparable peer for the Idaho DOI.
• Nevada Division of Insurance: Nevada's Division of Insurance regulates insurance carriers, agents, and rates, including SHIP-equivalent Medicare counseling. Its regional proximity to Idaho and equivalent state-insurance-department structure make it a directly comparable peer.
• Florida Office of Insurance Regulation: Florida OIR is the state's insurance regulator with carrier licensing, rate review, complaint resolution, and fraud enforcement functions analogous to Idaho's DOI. Florida's high insurance market activity (property, hurricane-related coverage) makes it a strong functional peer despite geographic distance.
• New York State Department of Financial Services: NYDFS regulates insurance carriers, banks, and financial services in New York, with equivalent consumer complaint, licensing, fraud enforcement, and rate review functions. It is a direct peer despite its broader banking mandate because insurance regulation mirrors the Idaho DOI structure.
• Wyoming Department of Insurance: Wyoming's DOI regulates insurance carriers, agents, and rates in Wyoming, performing the same functions as Idaho's DOI. Wyoming's small-state structure and similar low-population insurance market make it one of the most directly comparable peers by scale.
• Montana State Auditor, Commissioner of Securities and Insurance: Montana's CSI office regulates insurance carriers, agents, and securities within Montana, providing direct peer comparability with Idaho's DOI. Geographic proximity, similar rural market structure, and equivalent statutory functions make this a strong comparable peer.
• Texas Department of Insurance: The Texas Department of Insurance regulates insurance carriers, agents, and rates in Texas, operating the same SHIP-equivalent (HICAP) Medicare counseling program and fire marshal functions. It is a direct peer due to overlapping scope of insurance regulation, consumer protection, and State Fire Marshal oversight.
• Utah Insurance Department: Utah's Insurance Department regulates insurance carriers, agents, and rates in Utah, providing equivalent licensing, rate review, complaint handling, and fraud investigation functions. Its regional proximity and similar population scale make it a directly comparable peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/IdahoDOI
• YouTubeyoutube.com/@idahodoi
• Facebookfacebook.com/idahoDOI
• LinkedInlinkedin.com/company/idahodepartmentofinsurance
• Instagraminstagram.com/idahodoi

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Idaho Department of Insurance