Idaho Default (H&W) is an insurance option offered by the Idaho Department of Insurance. It provides coverage for individuals and families who are unable to purchase health insurance either through their employer or on the Idaho Health Insurance Exchange. The plan covers preventive care, hospitalization, ambulatory services, prescription drugs, and mental health care. It also includes no lifetime maximums and free preventive care. There are two types of Idaho Default (H&W): Standard and Select. Standard plans include hospitalization, ambulatory services, prescription drugs, mental health care, and preventive care. Select plans include additional benefits such as vision, hearing, dental, and wellness. Both plans have a deductible, co-insurance, and out-of-pocket maximums.