If someone needs treatment out-of-network for a pre-existing condition they either need to pay out-of-pocket, pay their out-of-network cost sharing amount, get approval from the insurer, or switch to a multi-state plan.

If you are married and want cost assistance you have to get a family plan, that being said family plans offer different cost sharing then individual plans.

From looking at the website it looks like Simnsa does offer Minimum Essential Coverage as it seems to meet benefit and cost sharing requirements.

Deductibles are lowered by Cost Sharing Reduction subsidies, on Silver plans only. You’ll pay out of pocket for all care not subject to a copay before you meet your deductible.

If you are on a plan, and getting medical attention for an injury, do not switch plans mid-year without consulting your insurer. Cost sharing is based on policy periods. If you switch to a different provider and a different state mid-treatment your insurer could start pulling out loopholes to avoid payment.

You are right on the cusp of your income being too low for subsidies in Idaho. This is because Idaho did not expand Medicaid. However, everyone is wrong. You qualify for the maximum Tax credit and cost sharing reduction subsidy at that income.

All private insurance that qualifies as Major Medical coverage must offer the cost sharing and benefits of a bronze plan.

Mental health meds are covered on all Major Medical plans, however they are covered under the plans cost sharing arrangement. So check with your plan for amounts.