2021 Affordable Health Insurance Plans in Alaska

Alaska has historically had few options for health insurance, making it expensive for residents. This last year has brought the return of Moda as an option to the exchange, giving Alaskans more options. Due to COVID-19 relief efforts, the open enrollment period has been extended to at least August 15, 2021, so you can still enroll if you need health insurance in Alaska.

Highlights and Updates

  •     Average premiums have decreased for the fourth year in a row, and Alaska is no longer the most expensive state for health insurance.
  •     Open enrollment in Alaska continues until at least August 15, 2021, due to COVID-19 relief efforts.
  •     Alaska offers short-term health insurance plans lasting up to 364 days.
  •     The average monthly benchmark premium cost in Alaska is $675.
  •     There are two health insurers offering coverage through the exchange in Alaska – Moda and Premera.
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How to Buy Health Insurance in Alaska

If you do not qualify for health insurance through an employer, you can purchase it through the exchange, where you’ll have a choice of coverage between Moda and Premera. Medicaid is available for those who qualify. Other programs to assist low-income adults and families include CAMA, which is the Chronic and Acute Medical Assistance Program – a government program designed to help Alaskans with certain medical conditions to receive care.

Denali Health Care is Child Health Plus coverage in Alaska, an extension of Medicaid for children.

Suppose you are rejected for coverage from a private insurer due to a high-risk condition. In that case, the ACHIA may help – the ACHIA is the Alaska Comprehensive Health Association, which helps many Alaskans with chronic conditions.

 

Short-term health insurance plans are available in Alaska, with some plans that last up to 364 days.

 How To Apply For Health Insurance in Alaska

You can go to www.healthcare.gov to apply for health insurance in Alaska.

Health Insurance Carriers In Alaska

Alaska has two health insurance carriers:

  • Moda
  • Premera

What Are The Cheapest Health Insurance Companies in Alaska?

Shopping around to compare your options is a good idea. Alaska has limited choices, but you can compare rates among the different tiers between Premera and Moda to see your options.

How Has Obamacare Helped Alaska’s Uninsured?

Since 2015, Alaska has benefited from Medicaid expansion under Obamacare in efforts to help Alaska’s uninsured.

Alaska Health Insurance Costs Overview

Alaska offers three tiers of health insurance – Expanded Bronze, Silver, and Gold.

How Much Does Health Insurance Cost in Alaska?

In Alaska, the average benchmark monthly health insurance premium for a 40-year-old is $675 in 2021.

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What is the Cheapest Health Insurance Plan in Alaska?

Alaska’s cheapest health insurance plan is the Premera Blue Cross Preferred Bronze 5800 HSA plan, with monthly premiums of $430, a $5800 deductible, and a $7000 out-of-pocket maximum.

 Cheapest Alaska Health Insurance Coverage by Metal Tier

Gold Plans

The most affordable Gold Plan is Premera Blue Cross Preferred Gold 1500. The premium costs $593 per month. The deductible is $1500, and the out-of-pocket maximum is $6000.

Silver Plans

Premera Blue Cross Preferred Silver 3000 HSA ranks as the lowest-cost Silver plan, with a premium of $658 per month. The deductible is $3000, and the out-of-pocket maximum is $6600.

Expanded Bronze Plans

Leading the way for affordable Bronze plans is Premera Blue Cross Preferred Bronze 5800 HSA, with premiums per month of $430, a deductible of $5800, and a $7000 out-of-pocket maximum.

Alaska Health Insurance Costs by Occupation

What Is the Average Cost of Health Insurance for a Student in Alaska?

College students may elect to stay on their parent’s health insurance plan or apply for coverage on their own through the exchange. Depending on their situation, they may qualify for subsidies or other programs.

What Is the Average Cost of Health Insurance for the Self-Employed In Alaska?

Self-employed individuals may elect to sign up for coverage through the exchange.

What Is the Average Cost of Health Insurance for Small Business Owners in Alaska?

Premera reports the average cost of health insurance per employee in Alaska for small businesses is $715.21 per month.

Alaska Health Insurance Costs by Number of Participants

What Is the Average Cost of Health Insurance for Families in Alaska?

The average cost of health insurance for a family in Alaska depends on how many people, where you live, and other specific circumstances. Shop around to compare rates for your family.

What Is the Average Cost of Health Insurance for Individuals in Alaska?

The benchmark price for a 40-year-old individual in Alaska is $675.

What Is the Average Cost of Health Insurance for a Child in Alaska?

Child Health Plan Plus (CHP+) is available for children through Denali Health Care at a low-cost in Alaska.

Other Types of Alaska Health Insurance Coverage

Catastrophic Health Insurance in Alaska

Alaska does not have state-level catastrophic health insurance plans.

Short Term or Temporary Health Insurance in Alaska

Alaska offers short-term health plans.

Low-Income Health Insurance in Alaska

Low-income Alaskans can apply for Medicaid or CAMA.

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Licensed Agent
1 (844) 612-0518
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