Health insurance for Alaskans who buy their own.
We help Alaskans who buy their own health coverage, from Anchorage to Fairbanks to Juneau, compare Marketplace plans, check what help they qualify for, and look at other options when Marketplace plans cost too much.
Alaska plans we compare
What’s different about health insurance in Alaska.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Alaska FAQ- Only two insurers sell individual Marketplace plans in Alaska for 2026: Premera Blue Cross Blue Shield of Alaska and Moda Health.
- Alaska premiums are among the highest in the nation. KFF puts the 2026 average benchmark Silver premium for a 40-year-old at $1,032 a month, against a U.S. average of $625.
- The extra federal tax credits ended after 2025, so households earning more than 400% of the poverty level get no premium help.
- Alaska's reinsurance program lowers full-price premiums for everyone, and the current federal waiver runs through 2027.
- Medicaid is expanded, with higher income limits than most states because Alaska's poverty guidelines are higher.
- Alaska has no state continuation law, so workers at small employers may have no COBRA option.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Alaska's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Alaska, and what to use instead.
Learn moreWho sells plans in Alaska
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Alaska FAQ, or ask an agent at (888) 214-4898.
Medical care costs more in Alaska, and the individual market is small, so a few large claims can move prices for everyone. KFF reports the 2026 average benchmark Silver premium for a 40-year-old at $1,032 a month, far above the U.S. average of $625. Premium tax credits can lower that a lot if your income qualifies.
Open enrollment runs from November 1, 2026 to January 15, 2027. Pick a plan and pay your first premium by December 15 if you want coverage to start January 1. Signing up later in the window means a February 1 start.
Insurers asked for big increases for 2027. Premera requested about 26.6% and Moda about 9.3%, and the Division of Insurance reviews those requests before approving final rates. The Division has pointed to the loss of the extra federal tax credits as a main driver.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Alaska county, check your subsidy, and walk you through the options. No cost, no obligation.