Which companies offer individual coverage in Alaska?
The Alaska Division of Insurance identifies two ACA-compliant individual insurers for 2027. Their service areas are not identical, and an insurer's service area is not the same thing as its provider network.
| Insurer | 2027 service area described by Alaska | What to check |
|---|---|---|
| Premera Blue Cross | Coverage statewide. | Check the specific plan's doctors, hospitals, drugs and costs. |
| Moda Health Plan | Anchorage, Matanuska-Susitna, Kenai Peninsula, Fairbanks North Star and Southeast Alaska. | Check whether your address is eligible and which providers are in the plan's network. |
The state's list concerns ACA-compliant individual coverage, not every employer or Medicare product. The state warns that a different individual insurance product may not offer the same comprehensive ACA protections. Verify the product before buying.
How do Moda's 2027 standard plans compare?
Moda's 2027 individual plan summary gives the following standard in-network amounts per person. These examples are not a comparison of every insurer or plan, and premiums are separate.
| Moda Select Alaska plan | Individual deductible | Primary care visit | Individual out-of-pocket maximum |
|---|---|---|---|
| Standard Gold | $2,500 | $30 per visit | $8,600 |
| Standard Silver | $6,400 | $40 per visit | $10,300 |
| Standard Bronze | $7,500 | $50 per visit | $12,000 |
The summary says out-of-network benefits are available at different rates. Check the complete benefit documents, exact doctors and any limits before enrolling. The amounts above do not include premiums, and they are not estimates of your total yearly spending.
If you qualify for Marketplace cost-sharing reductions, a qualifying Silver plan can have lower deductibles and other costs than the standard Silver figures. Compare the version shown on your application, not only this table.
Can I get help paying for a plan?
Alaska says Marketplace premium tax credits are available on a sliding scale based on income. Apply through HealthCare.gov to see your household's eligibility and compare after-credit premiums.
The state advises people with seasonal work to estimate annual household income, not just their current monthly income, and to update the Marketplace when income changes. Underestimating income can lead to repayment of advance tax credits.
Moda's summary also describes a direct-only plan that is not sold on HealthCare.gov. Marketplace premium tax credits cannot be used for a plan purchased outside the Marketplace. Compare the complete terms and your potential savings before deciding.
Are there different rules for Alaska Native families?
Members of federally recognized Tribes and ANCSA shareholders can enroll in a Marketplace plan at any time for coverage in the current year and may change plans up to once a month. Special cost-sharing reductions may also be available depending on eligibility.
HealthCare.gov explains that eligible members can keep using Indian Health Service, Tribal and urban Indian health programs. Mixed households should ask the Marketplace how enrolling family members together or in separate plans affects available savings. Do not assume the standard Silver amounts in the table apply to everyone.
When should Anchorage residents enroll?
Alaska says 2027 individual open enrollment runs November 1, 2026 through January 15, 2027. Choose by December 15 and pay your first premium for coverage starting January 1. Qualifying life events may open a special enrollment period; the rules for eligible Tribal members and ANCSA shareholders are different.
Before deciding, verify your doctors, hospitals, prescriptions and preferred pharmacy under the exact plan. Our health plan comparison calculator can help compare two plans' premiums and covered medical spending, but it excludes flat copays, prescriptions and out-of-network costs. You can also use HealthCare.gov or contact an Alaska navigator.
See our Individual & Family plans
Major medical coverage for you and your household, with subsidies applied where you qualify.Health plan comparison calculator: yearly cost of two plans
Enter two plans' premiums, deductibles and out of pocket maximums to see which costs less for the care you expect.Health insurance in Alaska
Marketplace, Medicaid and Medicare rules for the whole state.We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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