Cheapest Health Insurance in Alaska: Affordable Plans for 2026

Key Takeaways

Moda Health Plan, Inc. and Blue Cross Blue Shield have the cheapest health insurance in Alaska, with average monthly rates ranging from $985 to $991.

Blue Cross Blue Shield offers the most affordable health insurance in Alaska across most demographics and PPO plans ($1,025 monthly). Coverage for children averages $614 monthly, teens $732, young adults $821, adults $1,025 and seniors $2,177. Moda leads for Expanded Bronze plans ($686).

Cheapest Health Insurance Providers in Alaska

Moda Health Plan, Inc. offers the cheapest health insurance in Alaska with $985 average monthly costs, providing $3 in monthly savings over statewide pricing. At $991 monthly, Blue Cross Blue Shield comes second with $3 savings.


Moda Health Plan, Inc.	$985	$3	$11,820	$36
Blue Cross Blue Shield	$991	$3	$11,892	$36

*Average monthly costs represent the mean of all plan rates for each provider in Alaska, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.

Moda Health

MoneyGeek Rating

3.5/ 5

4.2/5Affordability

2.5/5Deductible

2.5/5MOOP

Avg. Monthly Rate
$985
Avg. MOOP
$5,886
Avg. Deductible
$3,295

pros
- Ranks second in the state for overall performance
- Wide network of local providers throughout Alaska
- Strong focus on preventive care services
cons
- Limited coverage in rural areas of Alaska
- Authorization required for some specialized services
Moda Health Plan offers the most affordable health insurance in Alaska for 40-year-olds, with Silver-tier PPO plans averaging $985 monthly. You'll face a $3,295 deductible and $5,886 maximum out-of-pocket limit, but the lower premiums save you money if you don't use care frequently. Moda provides PPO network access across all metal levels, which provide broader network flexibility than HMO options. You can see specialists without referrals and access out-of-network care at higher costs.

Premiums more than double as you age. The same Moda coverage that costs $861 monthly at 40 jumps to $1,830 by age 60, increasing your annual insurance expenses by $11,628. This provider works best when your priority is the lowest monthly premium.

Most Affordable Alaska Health Insurance By Category

Premium costs vary by your age, coverage type and benefit level. Balance monthly payments with deductible amounts and maximum out-of-pocket costs when choosing the best health insurance provider in Alaska.

Across most age groups in Alaska, Blue Cross Blue Shield charges the lowest monthly rates. These reduced premiums mean paying higher deductibles ($2,525 average) and out-of-pocket limits ($4,750 average).


Children	Blue Cross Blue Shield	$614	$7,362	$4,750	$2,525
Teens	Blue Cross Blue Shield	$732	$8,786	$4,750	$2,525
Young Adults	Blue Cross Blue Shield	$821	$9,855	$4,750	$2,525
Adults	Blue Cross Blue Shield	$1,025	$12,299	$4,750	$2,525
PPO	Blue Cross Blue Shield	$1,025	$12,299	$4,750	$2,525
Seniors	Blue Cross Blue Shield	$2,177	$26,119	$4,750	$2,525

*These are average rates for all plan types and metal levels, with teens at 18, young adults at 26, adults at 40 and seniors at 60. For plan type costs, we used average rates for 40-year-olds.

Most Affordable Alaska Health Insurance By Metal Level

Moda Health Plan, Inc. leads Expanded Bronze coverage at $686 monthly for 40-year-olds. Blue Cross Blue Shield offers the cheapest Silver plans at $1,025 monthly and Gold at $930 with a $1,111 deductible. Alaska has no Platinum-tier plans.


Expanded Bronze	Moda Health Plan, Inc.	$686	$8,233	$6,763	$4,875
Gold	Blue Cross Blue Shield	$930	$11,162	$4,622	$1,111
Silver	Blue Cross Blue Shield	$1,025	$12,299	$4,750	$2,525

Cheap Alaska Health Insurance: Personalized Picks

Sort Alaska health insurance plans using age, coverage style and metal tier filters to find rates that work for you.

Data filtered by:


Blue Cross Blue Shield	Premera Blue Cross Standard Silver	$1,015	PPO	Silver	$5,117	$2,617	40	No
Blue Cross Blue Shield	Premera Blue Cross Preferred Silver 4500	$1,035	PPO	Silver	$4,383	$2,433	40	No
Moda Health Plan, Inc.	Moda Select Alaska Standard Silver	$1,036	PPO	Silver	$5,657	$3,100	40	No
Moda Health Plan, Inc.	Moda Select Alaska Silver 4500	$1,070	PPO	Silver	$4,607	$2,714	40	No

How to Get Cheap Health Insurance in Alaska

Alaska health insurance costs differ across providers. Apply these methods to get low-cost coverage that works for your health care needs.

1
Look Beyond the Cheapest Plans
Don't default to the cheapest Bronze or Catastrophic plan. Silver and Gold plans provide better value when you factor in lower deductibles and out-of-pocket costs, especially if you need regular medical care.
2
Review Your Healthcare Usage
Review last year's health care spending. If you only visited the doctor twice and didn't need prescriptions, a high-deductible plan saves money. For example, if you spent $500 last year on two routine doctor visits and one urgent care trip, a Bronze plan with a $6,000 deductible might save you $150 monthly compared to a Gold plan.
3
Explore HMO Options
HMO plans cost less than PPO options in Alaska. You'll need to stay within the provider network, but HMO providers can save you $100 or more monthly.
4
Verify Subsidy Eligibility
Premium tax credits from the Health Insurance Marketplace reduce your monthly costs based on your income. Even middle-income families qualify for assistance. Check your eligibility before purchasing a plan.
5
Time Your Purchase Right
Open enrollment runs from November 1 to January 15 each year. Missing this window means waiting until next year unless you qualify for a special enrollment period due to major life changes like marriage, birth or job loss.

Cheapest Health Insurance in Alaska: Bottom Line

Moda Health Plan, Inc. is the cheapest health insurance provider in Alaska, followed by Blue Cross Blue Shield. Compare rates from both insurers across metal tiers and plan types to find your lowest cost.

Affordable Health Insurance in Alaska: FAQ

We answer common questions about health insurance in Alaska:

How do I get cheap health insurance in Alaska?

Shop during open enrollment (November 1 to January 15) and compare plans from Moda Health Plan, Inc. and Blue Cross Blue Shield across multiple metal tiers. Check your eligibility for premium tax credits through the Health Insurance Marketplace. HMO plans cost less than PPO options in Alaska.

How much does health insurance cost in Alaska?

Health insurance in Alaska costs an average of $988 monthly ($11,856 annually) across all plan types and metal levels. Monthly rates range from $411 to $2,236 depending on your age, coverage tier and plan type.

Does Alaska require health insurance?

Alaska doesn't require health insurance. The federal individual mandate penalty ended in 2019, so you won't face tax penalties for going uninsured. Coverage provides financial protection from high medical costs and covers preventive care and treatment.

Our Methodology

Comparing health insurance in Alaska means sorting through multiple providers with different rate structures across age groups and plan types. We analyzed every available plan from federal marketplace data to identify which insurers offer the lowest premiums for Alaska residents.

Research Approach

We collected premium data for five ages: 18, 26, 40, 50 and 60. These ages show how rates change from young adult coverage through near-Medicare eligibility, revealing the full cost range Alaska residents face at different life stages.

Why We Focus on 40-Year-Olds

Our primary affordability rankings use 40-year-old rates because this age sits at the midpoint of the working-age population in Alaska. Using one consistent age removes variables and provides clear comparisons across providers without age distorting the results.

Age-Specific Rankings

We also ranked insurers separately at each age bracket. A provider that's cheapest for young adults might not be most affordable for someone near 60, so these age-specific rankings help you find the best rate for your life stage.

All data comes from federal sources and covers metal tiers and plan types available to Alaska residents through the Health Insurance Marketplace.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.

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