Best Cheap Health Insurance in Alaska (2025)
Premera Blue Cross Blue Shield has the best health insurance plans in Alaska, with Gold plans starting at $945 per month before discounts.
Find Cheap Health Insurance Quotes in Alaska
Best and cheapest health insurance plans in Alaska
Cheapest health insurance companies in Alaska
Of the two health insurance companies on the AK marketplace, Moda sells the cheapest quotes, followed by Premera BCBS, with Gold plans starting at $902 per month before discounts.
Find Cheap Health Insurance Quotes in Alaska
Affordable health insurance plans in Alaska
Company |
Cost
| |
|---|---|---|
| Moda | $902-$952 |
| Premera Blue Cross Blue Shield | $945-$998 |
- Moda has the most affordable medical insurance in Anchorage, Fairbanks and Juneau, Alaska's major cities. If you live in the Aleutian Islands or the more sparsely populated areas of Alaska, Premera BCBS is likely cheaper.
- But Moda doesn't have good customer service, with more than three times as many complaints as expected for a company its size. If good service is a priority for you, Premera is a better option.
- In Alaska, Gold plans cost less than Silver plans. Because Gold plans also cover more of your medical bills, they're a better option than Silver plans for most people in AK.
Best health insurance companies in Alaska
Premera Blue Cross Blue Shield (BCBS) sells the best health insurance in Alaska.
Premera BCBS has a perfect 5 out of 5 member experience star rating from HealthCare.gov. That means Premera customers have an easy time scheduling appointments, and they're happy with the quality of medical care.
Find Cheap Health Insurance Quotes in Alaska
Best-rated health insurance companies in Alaska
Company |
Editor rating
|
ACA rating
|
|---|---|---|
| Premera Blue Cross Blue Shield | 3.0 | |
| Moda | 3.0 |
As part of Blue Cross Blue Shield (BCBS), Premera gives you access to a large network of doctors and hospitals. This makes it easier to find covered medical care, even if you're in a rural area. And Premera has excellent customer service, with about a third fewer complaints than expected.
Premera is also the most popular medical insurance company in Alaska. More than 8 in 10 policies in AK are with Premera.
How much does health insurance cost in Alaska?
Health insurance in Alaska costs an average of $968 per month if you pay full price or $122 per month, on average, if you're eligible for discounts based on your income.
Find Cheap Health Insurance Quotes in Alaska
- Gold plans have more affordable quotes than Silver plans in Alaska, and they give you more coverage. Unless you have a low income and can get discounts on your medical care, Gold plans make more sense.
- Your age also affects how much you pay for coverage. Plans get more expensive as you get older because you're more likely to have health issues that require expensive medical care.
Get affordable health insurance in Alaska with subsidies
Health insurance in Alaska costs an average of $122 per month if you can get discounts based on your income.
Even though health insurance quotes in Alaska are high, most individuals don't pay full price for a plan. More than 85% of people in Alaska who shop on HealthCare.gov get discounts that make their plans cheaper. These discounts are called subsidies.
To qualify for subsidies in Alaska, you have to make between $18,810 and $75,240 per year as an individual or between $39,000 and $156,000 per year if you're part of a family of four. These ranges are different than they are in the rest of the country because of the high cost of living in Alaska. But if you qualify for Medicaid, you can't get subsidies.
You can use a subsidy to make any Bronze, Silver or Gold plan cheaper.
If you can get subsidies and choose a Silver plan, you might also be able to get another type of discount, called a cost-sharing reduction, that makes your medical care cheaper. Subsidies make your monthly rate more affordable, and cost-sharing reductions make your medical bills lower.
Cheap Alaska health insurance plans by city
Moda sells the cheapest medical insurance in Anchorage, Fairbanks and Juneau.
But if you live in the more rural areas of Alaska, Premera is probably cheaper.
Cheapest health insurance by AK borough
Borough | Cheapest Gold plan | Monthly rate |
|---|---|---|
| Aleutians East | Premera BCBS Alaska One Gold | $994 |
| Aleutians West | Premera BCBS Alaska One Gold | $994 |
| Anchorage | Moda Pioneer Alaska Standard Gold | $902 |
| Bethel | Premera BCBS Alaska One Gold | $984 |
| Bristol Bay | Premera BCBS Alaska One Gold | $994 |
Cheapest Gold plan with rates for a 40-year-old
Find Cheap Health Insurance Quotes in Alaska
Best health insurance by level of coverage
To find the best health insurance in Alaska, think about your monthly budget and how much medical care you need.
For most people, it makes sense to buy a Gold plan because it gives you the highest level of coverage and usually has cheaper quotes than a Silver plan. However, if you're young and healthy, a Bronze plan could be a good choice.
Gold plans: Best for most people
| Gold plans pay for about 80% of your medical care. |
Gold plans cost an average of $968 per month in Alaska.
Gold plans are the highest plan tier offered in Alaska, which means they pay the highest portion of your medical bills. This lets you pay less when you go to the doctor. Because Gold plans usually have more affordable quotes than Silver plans in Alaska, they're a good option for most people with moderate to high medical care needs.
Silver plans: Best if you have a lower income
| Silver plans pay for about 70% of your medical care. |
Silver plans cost an average of $1,088 per month in Alaska.
Silver plans typically aren't the best deal in Alaska, even though they're a good option in most states. If you buy a Silver plan in AK, you'll likely pay more than you would for a Gold plan, which gives you more coverage.
However, if you make between $18,810 and $47,025 per year as an individual, a Silver plan may be a more affordable option because you can get an extra discount, on top of rate subsidies, that makes the amount you have to pay for medical care cheaper.
Bronze plans: Best if you are young and healthy
| Bronze plans pay for about 60% of your medical care. |
Bronze plans cost an average of $721 per month in Alaska.
Bronze plans have the cheapest quotes, but they also pay the least toward your medical bills. That means if you have a Bronze plan, you will pay more when you get health care. If you are young and healthy, these plans can be a good idea as long as you have money in the bank to pay for your share of your medical bills. But if you need medical care often, they're not the best fit.
Cheap or free health insurance in Alaska if you have a low income
If you can't afford health insurance, you might be able to get Medicaid, which is free. If you can't get Medicaid, consider a Silver plan with rate subsidies and another discount that makes your medical care more affordable.
Medicaid in Alaska
Medicaid is free or very low-cost health insurance from the government for low-income households.
To get Medicaid in AK, you have to make about $26,000 or less per year for individuals or less than about $54,000 per year as a family of four. These limits are higher than they are in other states, which means you can make more in Alaska and still get Medicaid.
Alaska has programs for low-income adults, children, pregnant women, seniors and those who are blind or disabled.
Use cost-sharing reductions for cheaper medical care
If you can't get Medicaid, buying a Silver medical insurance plan might be a good option. If you make between $18,810 and $47,025 per year as an individual or between $39,000 and $97,500 per year as a family of four, you could get extra discounts that let you pay less when you go to the doctor. These are called cost-sharing reductions, and they're only available for Silver plans. If you qualify, your Silver plan might pay for more of your medical bills than a Gold plan.
Are health insurance rates going up in AK?
Health insurance in Alaska costs 15% more for 2025 compared to 2024.
All the plan tiers — Bronze, Silver and Gold — went up by about 15%.
Bronze
Silver
Gold
Year | Cost | Change |
|---|---|---|
| 2023 | $544 | - |
| 2024 | $625 | 15% |
| 2025 | $721 | 15% |
Monthly costs are for a 40-year-old.
Bronze
Year | Cost | Change |
|---|---|---|
| 2023 | $544 | - |
| 2024 | $625 | 15% |
| 2025 | $721 | 15% |
Monthly costs are for a 40-year-old.
Silver
Year | Cost | Change |
|---|---|---|
| 2022 | $715 | - |
| 2023 | $822 | 15% |
| 2024 | $948 | 15% |
| 2025 | $1,088 | 15% |
Monthly costs are for a 40-year-old.
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $618 | - |
| 2023 | $730 | 18% |
| 2024 | $842 | 15% |
| 2025 | $968 | 15% |
Monthly costs are for a 40-year-old.
Why is health insurance expensive in Alaska in 2026?
Expiring tax credits may cause ACA plans to become much more expensive for many individuals in Alaska.
Although Alaska insurance companies only requested a 2% price increase for 2026, it's important to remember that rates rose by 15% across the board last year. Plus, Alaska experienced double-digit price hikes for Silver and Gold plans in 2023 and 2024. Bronze plans got 15% more expensive in 2024.
Expiring federal health insurance subsidies may also drive up the cost of health insurance for some Alaska residents. According to the Alaska Division of Insurance, a family of four making roughly $60,000 per year would pay about $177 more per month for a Silver plan after these extra subsidies expire at the end of this year. If the same family made around $120,000, they would pay an extra $258 per month, and with an income of roughly $161,000, their monthly rate would increase by $2,184 per month.
How to save on Alaska medical insurance in 2026
- You may be eligible for free government health insurance, called Medicaid, if you earn a low income.
- Compare quotes from different companies in your area on HealthCare.gov to get the most affordable coverage available.
- If you shop for medical insurance on HealthCare.gov, you'll automatically see what discounts you're eligible for based on your income. Keep in mind, subsidy cuts for 2026 may make plans less affordable than in years past.
- You'll get more affordable quotes by choosing a high-deductible health plan (HDHP).
- If you pick a high-deductible health plan, you can get extra tax savings by opening a health savings account (HSA).
Essential health coverage in Alaska
You can buy Affordable Care Act (ACA) plans, also called "Obamacare" plans, on HealthCare.gov between Nov. 1 and Jan. 15 every year. For 2025, only two companies — Moda and Premera Blue Cross Blue Shield — sell plans in Alaska.
One of the biggest benefits of ACA plans is that they don't take your health into account when setting your rates. Companies can only use five things to set your rates:
- Your age
- The plan tier you buy
- Where you live
- How many people you want on your plan
- Whether or not you smoke or use tobacco
Even if you have a preexisting condition, you'll still be able to buy a plan and you won't pay more because of your health.
Average cost of health insurance by family size in Alaska
A couple with two young children pays $3,094 per month, on average, for a Gold plan in Alaska. Children ages 14 and under are charged a fixed rate of $579 per month. Once a child turns 15, their rate begins to increase every year.
Family size | Average monthly cost |
|---|---|
| Individual | $968 |
| Individual and child | $1,547 |
| Couple, age 40 | $1,936 |
| Family of three | $2,515 |
| Family of four | $3,094 |
Averages based on a Gold plan for 40-year-old adults and children who are under age 15.
Short-term health insurance plans in Alaska
At the start of 2025, the incoming Presidential administration rolled back a rule that would limit the length of a short-term medical insurance policy to three months. Although there isn't a timeline for when this change will happen, you may be able to find short-term health plans in Alaska that last for up to 364 days sometime in the coming year.
Short-term health insurance can help you fill gaps in coverage, like if you are between jobs. However, these plans have worse coverage than medical insurance that you can buy through HealthCare.gov.
Pros of short-term health insurance plans in Alaska
Cons of short-term health insurance plans in Alaska
Frequently asked questions
Is $200 a month expensive for health insurance in Alaska?
No, $200 per month is not an expensive price to pay for health insurance in Alaska. That's less than one-fifth the cost of a Silver plan, on average, bought through the Alaskan health exchange .
How do I get health insurance in Alaska?
Comparing quotes on HealthCare.gov is the best way to get health insurance in Alaska. The website shows all of the plans available in your area. Plus, you'll automatically see what discounts, called subsidies, you're eligible for.
What is the best health insurance company in Alaska?
Premera BCBS is the best health insurance company in Alaska. It has good-quality plans and high customer satisfaction. Plus, you can use Premera BCBS insurance at most medical offices. But the best health insurance for you will be a company and plan that fits your budget and medical needs.
How much is health insurance in Alaska per month?
A Gold health insurance plan costs an average of $968 per month for a 40-year-old in Alaska. Gold plans give you the most coverage, and in Alaska, they're cheaper than Silver plans, which give you moderate coverage. A Silver plan costs $1,088 per month, on average, for a 40-year-old in Alaska.
What is the cheapest health insurance in Alaska?
Moda sells the cheapest health insurance plans in Alaska. Gold plans from Moda start at $902 per month. But if you live in a more rural area of the state, Premera is probably cheaper. If you're on a tight budget, a Bronze plan is a cheaper option, but you'll pay more when you go to the doctor or fill a prescription.
Methodology
Health insurance plans and rates for Alaska in 2025 are from the Centers for Medicare & Medicaid Services (CMS) government website. ValuePenguin used the public use files to average rates across a variety of metrics, such as plan tier, family size and location. Unless another plan tier or age is mentioned, rates are for a 40-year-old with a Gold plan.
The cost of health insurance plans with subsidies is from CMS data. The rates include everyone who shopped for a plan during 2024 open enrollment and got advance premium tax credits (APTCs).
ValuePenguin's experts ranked each health insurance company based on a review of rates, customer service, coverage offerings and unique features.
The National Association of Insurance Commissioners (NAIC) and S&P Global Capital IQ also provided data for this report. Cost increase projections came from KFF and the Alaska Division of Insurance.
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident and Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
