Best Health Insurance in Alaska (2026)

Key Takeaways

Blue Cross Blue Shield provides the best health insurance in Alaska, offering plans that strike a strong balance between monthly premiums, deductibles, and out-of-pocket maximums.

Blue Cross Blue Shield also offers the most affordable health insurance in Alaska while also providing the most affordable deductibles and out-of-pocket maximums.

When choosing health insurance in Alaska, collect quotes from several insurers, review provider networks and coverage details carefully, and confirm that your preferred doctors and hospitals are included in the plan.

Best Health Insurance Companies in Alaska

Alaska’s health insurance marketplace is highly concentrated, with only two providers offering ACA coverage. Blue Cross Blue Shield stands out as the best health insurance company, combining competitive premiums and strong plan features, while Moda Health provides a reliable alternative for residents. The table below compares average costs, deductibles, and out-of-pocket limits to help you evaluate the best option for your needs.


Blue Cross Blue Shield	$1,025	$4,750	$2,525	5.0	Premera Blue Cross Preferred Silver 4500
Moda Health Plan, Inc.	$1,053	$5,132	$2,907	3.5	Moda Select Alaska Silver 4500

*Our picks reflect the best companies for 40-year-olds seeking Silver-tier plans. Rates vary by age and coverage level.

Blue Cross Blue Shield

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$1025
Average MOOP
$4750
Average Deductible
$2525

pros
- Below-average monthly premiums across all metal tiers
- Lower deductibles than state average
- HSA-eligible plans
- Expanded Bronze, Silver and Gold tiers
cons
- PPO plans only
- High $4,367 deductible on Expanded Bronze plan
Blue Cross Blue Shield leads Alaska’s health insurance market with PPO plans offered across all metal tiers. The company's Gold coverage averages $930 per month while delivering exceptional value with $1,111 deductibles and $4,622 out-of-pocket maximums, earning top rankings in the state for the tier. Silver plans average $1,025 per month, roughly $14 under typical rates, and feature $2,525 deductibles and $4,750 maximums. Expanded Bronze plans complete the lineup at $733 per month, offering HSA eligibility, $4,367 deductibles, and $5,933 out-of-pocket limits. Overall, Blue Cross Blue Shield provides Alaska residents broad PPO access with some of the state’s lowest deductibles and out-of-pocket costs, a key advantage in Alaska’s unique healthcare landscape.

Blue Cross Blue Shield health insurance plans in Alaska:

Data filtered by:


Premera Blue Cross Preferred Bronze 5800 Hsa	$735	PPO	Expanded Bronze	$5,333	$3,867	Yes
Premera Blue Cross Preferred Bronze 6350	$749	PPO	Expanded Bronze	$5,800	$4,233	Yes
Premera Blue Cross Standard Bronze Ii	$715	PPO	Expanded Bronze	$6,667	$5,000	Yes

Moda Health

MoneyGeek Rating

3.5/ 5

4.2/5Affordability

2.5/5Deductible

2.5/5MOOP

Average Monthly Rate
$1053
Average MOOP
$5132
Average Deductible
$2907

pros
- Offers PPO network flexibility across multiple metal tiers
- Gold plans feature relatively low $1,313 average deductibles
cons
- Expanded Bronze plans carry high $4,875 average deductibles
- Higher out-of-pocket maximums on lower-tier coverage options
Moda Health Plan offers PPO coverage across multiple metal tiers in Alaska, providing residents with flexible provider networks. The company's Gold PPO plans average $933 per month with $1,313 deductibles and $5,325 out-of-pocket maximums. Their Silver plans cost about $1,053 per month and feature $2,907 deductibles and $5,132 maximums. Expanded Bronze stands out as Moda’s strongest value at $686 per month, approximately $24 below the state average, while offering HSA eligibility, $4,875 deductibles, and $6,763 out-of-pocket limits. Overall, Moda Health Plan serves Alaskans seeking PPO flexibility, particularly those prioritizing affordability in Expanded Bronze plans, while maintaining comprehensive coverage across metal tiers.

Moda health insurance plans for 2026 in Alaska:

Data filtered by:


Moda Select Alaska Bronze Hdhp 5500	$695	PPO	Expanded Bronze	$6,038	$4,125	Yes
Moda Select Alaska Standard Bronze	$664	PPO	Expanded Bronze	$7,500	$5,625	Yes
Moda Select Alaska Bronze 6500	$699	PPO	Expanded Bronze	$6,750	$4,875	Yes

Best Health Insurance in Alaska by Category

Health insurance premiums in Alaska increase with age, but Blue Cross Blue Shield consistently stands out as the most affordable option across age groups and metal tiers. Across every age group and network comparison, it delivers competitive pricing while maintaining strong cost protections.

By Age:

Teens (18): Blue Cross Blue Shield PPO ($732 monthly)
Young adults (26): Blue Cross Blue Shield PPO ($821 monthly)
Adults (40): Blue Cross Blue Shield PPO ($1,025 monthly)
Seniors (60): Blue Cross Blue Shield PPO ($2,177 monthly)

By Network Type (40-year-olds):

PPO: Blue Cross Blue Shield provides the most affordable Silver-tier coverage at $1,025 monthly

Compare Alaska Health Insurance Providers

Below is a side-by-side comparison of Alaska’s best health insurance plans, highlighting how top providers stack up on premiums, deductibles, out-of-pocket limits, and overall value to help residents quickly identify the strongest options for their needs. Use the filterable table to find personalized recommendations for your unique needs and budget.

Data filtered by:


Blue Cross Blue Shield	$1,025	PPO	Silver	$4,750	$2,525	40	No
Moda Health Plan, Inc.	$1,053	PPO	Silver	$5,132	$2,907	40	No

How to Choose the Best Health Insurance in Alaska

Finding the right health insurance in Alaska involves evaluating your coverage needs, researching insurer reputations and exploring available enrollment options.

1
Assess your health care needs
Review your current medications, planned procedures and how often you visit doctors to determine which coverage level makes sense. Past medical expenses help predict future costs and guide your deductible choice.
2
Compare quotes from multiple insurers
Request rates from at least three Alaska health insurance companies to spot price differences and coverage variations.
3
Check provider networks
Verify your preferred doctors, specialists and hospitals accept plans you're considering. Out-of-network care costs more and may require full payment upfront.
4
Review out-of-pocket maximums and deductibles
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your MOOP caps annual expenses, limiting your total costs.
5
Evaluate plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less, while PPOs offer flexibility to see specialists without approval at higher premiums. EPOs and POS plans fall between these options.
6
Explore federal programs
Subsidies and Medicare plans make health insurance more affordable. If you have a low income, a qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options.

How Much Does Health Insurance Cost in Alaska?

Health insurance costs in Alaska are among the highest in the country, particularly for mid- and upper-tier coverage. PPO plans are the only plan type available in the state, averaging $710 per month for Expanded Bronze and rising sharply to $1,039 for Silver and $931 for Gold coverage. While Silver premiums appear higher than Gold, Silver plans are designed as a low-income option, qualifying for income-based cost-sharing reductions that lower deductibles and out-of-pocket costs for eligible enrollees. As a result, Silver plans can offer the best overall value for lower- and moderate-income residents, while Gold plans may provide stronger value for higher-income individuals who do not qualify for subsidies.


PPO	$710	$1,039	$931

*Rates are averages for 40-year-olds in Alaska. Your rates will vary based on your age and location.

Best Health Insurance in Alaska: Bottom Line

Blue Cross Blue Shield and Moda are the best health insurance providers in Alaska. The right plan for you depends on your age, network preferences, health needs and budget. Get quotes from multiple insurers and compare premiums, deductibles and out-of-pocket maximums before choosing coverage.

Best Alaska Health Insurance: FAQ

Find answers about the best health insurance in Alaska below:

Is health insurance required in Alaska?

Alaska doesn't require residents to have health insurance at the state level. You won't face any penalties for being uninsured. You can still access federal subsidies through the health insurance marketplace to help make coverage more affordable if you qualify based on income.

When is open enrollment in Alaska?

Alaska's open enrollment period for 2026 health plans begins November 1, 2025, and continues through January 31, 2026. You must select your plan by December 31, 2025, to guarantee coverage starts January 1, 2026.

Can you get free health insurance in Alaska?

Alaska residents can access free health insurance through Medicaid if they meet income requirements. Many others qualify for premium subsidies through the federal marketplace that reduce monthly costs. These programs make coverage affordable or completely free for eligible individuals and families based on household income.

Our Review Methodology

We analyzed Alaska health insurance companies based on three cost factors: monthly premiums, out-of-pocket maximums and deductibles.

Scoring breakdown:

Monthly premium (60%): Plans with the cheapest average monthly costs receive the best ratings.
Maximum out-of-pocket (MOOP) score (20%): MOOP is the most you'll spend on healthcare in a year beyond your premium payments. Plans with lower MOOP limits score better.
Deductible (20%): This amount comes out of your pocket before insurance starts paying for covered services. Plans requiring smaller deductibles earn higher ratings.

We standardized all scores within specific plan categories. The best-performing Silver-tier PPO plan receives a 5.0 rating, with other plans scored relative to that top performer.

MoneyGeek examined every 2026 health insurance plan offered in Alaska for people ages 18, 26, 40, 50 and 60. Premium costs reflect 40-year-old rates unless stated otherwise. Our analysis covers Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum plan levels.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Health Insurance in Alaska (2026)

Best Health Insurance Companies in Alaska

Best Health Insurance in Alaska by Category

Compare Alaska Health Insurance Providers

How to Choose the Best Health Insurance in Alaska

How Much Does Health Insurance Cost in Alaska?

Best Health Insurance in Alaska: Bottom Line

Best Alaska Health Insurance: FAQ

Is health insurance required in Alaska?

When is open enrollment in Alaska?

Can you get free health insurance in Alaska?

Our Review Methodology

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