Aside from Silver plans, different metal tiers with varying premiums, deductibles and out-of-pocket maximums are available in Alaska.

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2023

Most Affordable Health Insurance in Alaska

Cheapest Health Insurance in Alaska by Metal Tier

For the average Alaskan, the cheapest health insurance is Moda Pioneer Alaska Standard Silver from Moda Assurance Company at $739 per month.

Metal tiers affect the cost of health insurance. The more valuable metal tiers tend to offer comprehensive coverage in exchange for higher premiums. In Alaska, the most affordable health plans by metal tier are:

  • Bronze: Moda Pioneer Alaska Standard Bronze from Moda Assurance Company ($452 per month)
  • Expanded Bronze: Moda Pioneer Bronze 6500 from Moda Assurance Company ($487 per month)
  • Silver: Moda Pioneer Alaska Standard Silver from Moda Assurance Company ($739 per month)
  • Gold: Moda Pioneer Alaska Standard Gold from Moda Assurance Company ($670 per month)

Although more valuable metal tiers (like Gold or Silver) have higher monthly premiums, the trade-off is often lower out-of-pocket maximums.

Metal Tier
Plan
Company
Monthly Cost
Maximum Out-of-Pocket

Bronze

Moda Pioneer Alaska Standard Bronze

Moda Assurance Company

$323

$9,100

Expanded Bronze

Moda Pioneer Bronze 6500

Moda Assurance Company

$348

$8,250

Bronze

Moda Pioneer Alaska Standard Bronze

Moda Assurance Company

$363

$9,100

Expanded Bronze

Moda Pioneer Bronze 6500

Moda Assurance Company

$390

$8,250

Bronze

Moda Pioneer Alaska Standard Bronze

Moda Assurance Company

$452

$9,100

Gold

Moda Pioneer Alaska Standard Gold

Moda Assurance Company

$479

$8,700

Expanded Bronze

Moda Pioneer Bronze 6500

Moda Assurance Company

$487

$8,250

Silver

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$527

$8,900

Gold

Moda Pioneer Alaska Standard Gold

Moda Assurance Company

$537

$8,700

Silver

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$592

$8,900

Bronze

Moda Pioneer Alaska Standard Bronze

Moda Assurance Company

$632

$9,100

Gold

Moda Pioneer Alaska Standard Gold

Moda Assurance Company

$670

$8,700

Expanded Bronze

Moda Pioneer Bronze 6500

Moda Assurance Company

$680

$8,250

Silver

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$739

$8,900

Gold

Moda Pioneer Alaska Standard Gold

Moda Assurance Company

$936

$8,700

Bronze

Moda Pioneer Alaska Standard Bronze

Moda Assurance Company

$960

$9,100

Silver

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$1,032

$8,900

Expanded Bronze

Moda Pioneer Bronze 6500

Moda Assurance Company

$1,034

$8,250

Gold

Moda Pioneer Alaska Standard Gold

Moda Assurance Company

$1,423

$8,700

Silver

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$1,568

$8,900

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WHAT ARE METAL TIERS?

Marketplace insurance plans are grouped into different metal tiers. These metal tiers determine how health care costs are split between you and your insurer, with the more valuable metals costing more for providing more coverage.

Younger and healthier buyers may prefer less valuable metals, while those who anticipate needing medical attention may choose more valuable metals. Silver plans offer a middle ground and the opportunity to reduce your deductible if you have a low income.

Resource: Learn more about metal tiers

Cheapest Silver Plans in Alaska

With an average premium of $739 per month, Moda Pioneer Alaska Standard Silver is the most affordable Silver plan in Alaska. The top three cheapest plans in this tier are:

  • Moda Pioneer Alaska Standard Silver from Moda Assurance Company: $739 per month
  • Moda Pioneer Silver 4500 from Moda Assurance Company: $760 per month
  • Premera Blue Cross Standard Silver from Blue Cross Blue Shield: $842 per month

Because Silver plans provide a balance between affordability and coverage, they are a popular choice for health insurance. Buyers may also qualify for cost-sharing reductions, which lower deductibles, copayments and co-insurance.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Moda Assurance Company

$442

$8,900

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$455

$7,600

Moda Pioneer Silver 4500

Blue Cross Blue Shield

$504

$8,900

Premera Blue Cross Standard Silver

Blue Cross Blue Shield

$508

$8,200

Premera Blue Cross Preferred Silver 4500

Moda Assurance Company

$527

$8,900

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$543

$7,600

Moda Pioneer Silver 4500

Moda Assurance Company

$592

$8,900

Moda Pioneer Alaska Standard Silver

Blue Cross Blue Shield

$602

$8,900

Premera Blue Cross Standard Silver

Blue Cross Blue Shield

$607

$8,200

Premera Blue Cross Preferred Silver 4500

Moda Assurance Company

$610

$7,600

Moda Pioneer Silver 4500

Cheapest Gold Plans in Alaska

For Gold plans, Moda Pioneer Alaska Standard Gold is the cheapest health insurance in Alaska at approximately $670 per month. The three least expensive Gold plans are:

  • Moda Pioneer Alaska Standard Gold from Moda Assurance Company: $670 per month
  • Moda Pioneer Gold 1500 from Moda Assurance Company: $674 per month
  • Premera Blue Cross Standard Gold from Blue Cross Blue Shield: $728 per month

Although Gold plans have higher monthly premiums, they tend to have lower deductibles and out-of-pocket maximums — ideal if you expect to need frequent medical care.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Moda Assurance Company

$401

$8,700

Moda Pioneer Alaska Standard Gold

Moda Assurance Company

$404

$6,000

Moda Pioneer Gold 1500

Blue Cross Blue Shield

$436

$8,700

Premera Blue Cross Standard Gold

Blue Cross Blue Shield

$442

$6,300

Premera Blue Cross Alaska One Gold

Blue Cross Blue Shield

$442

$6,300

Premera Blue Cross Preferred Gold 1500

Moda Assurance Company

$479

$8,700

Moda Pioneer Alaska Standard Gold

Moda Assurance Company

$482

$6,000

Moda Pioneer Gold 1500

Blue Cross Blue Shield

$520

$8,700

Premera Blue Cross Standard Gold

Blue Cross Blue Shield

$527

$6,300

Premera Blue Cross Alaska One Gold

Blue Cross Blue Shield

$528

$6,300

Premera Blue Cross Preferred Gold 1500

Cheapest Bronze Plans in Alaska

Moda Assurance Company offers the most affordable Bronze plan in Alaska. The average cost of a Moda Pioneer Alaska Standard Bronze is $452 per month. Bronze plans with the lowest rates are:

  • Moda Pioneer Alaska Standard Bronze from Moda Assurance Company: $452 per month
  • Premera Blue Cross Standard Bronze from Blue Cross Blue Shield: $530 per month

Bronze plans have the lowest monthly premiums, but the trade-off is higher deductibles, meaning you’ll be paying more out of pocket for health care costs.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Moda Assurance Company

$271

$9,100

Moda Pioneer Alaska Standard Bronze

Blue Cross Blue Shield

$317

$9,100

Premera Blue Cross Standard Bronze

Moda Assurance Company

$323

$9,100

Moda Pioneer Alaska Standard Bronze

Moda Assurance Company

$363

$9,100

Moda Pioneer Alaska Standard Bronze

Blue Cross Blue Shield

$379

$9,100

Premera Blue Cross Standard Bronze

Blue Cross Blue Shield

$425

$9,100

Premera Blue Cross Standard Bronze

Moda Assurance Company

$452

$9,100

Moda Pioneer Alaska Standard Bronze

Blue Cross Blue Shield

$530

$9,100

Premera Blue Cross Standard Bronze

Moda Assurance Company

$632

$9,100

Moda Pioneer Alaska Standard Bronze

Blue Cross Blue Shield

$740

$9,100

Premera Blue Cross Standard Bronze

Cheapest Expanded Bronze Plans in Alaska

Moda Assurance Company’s Moda Pioneer Bronze 6500 is the most affordable Expanded Bronze plan in Alaska, costing about $487 per month. For this tier, the top three least expensive plans are:

  • Moda Pioneer Bronze 6500 from Moda Assurance Company: $487 per month
  • Moda Pioneer Bronze HDHP 5500 from Moda Assurance Company: $492 per month
  • Premera Blue Cross Alaska One Bronze from Blue Cross Blue Shield: $555 per month

Expanded Bronze plans provide more health care coverage than Bronze plans. Although premiums for this tier are higher, they are still relatively lower than premiums for Silver and Gold plans.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Moda Assurance Company

$292

$8,250

Moda Pioneer Bronze 6500

Moda Assurance Company

$295

$7,000

Moda Pioneer Bronze HDHP 5500

Blue Cross Blue Shield

$332

$8,700

Premera Blue Cross Alaska One Bronze

Blue Cross Blue Shield

$333

$8,700

Premera Blue Cross Preferred Bronze 6350

Blue Cross Blue Shield

$337

$7,000

Premera Blue Cross Preferred Bronze 5800 HSA

Moda Assurance Company

$348

$8,250

Moda Pioneer Bronze 6500

Moda Assurance Company

$352

$7,000

Moda Pioneer Bronze HDHP 5500

Blue Cross Blue Shield

$397

$8,700

Premera Blue Cross Alaska One Bronze

Blue Cross Blue Shield

$397

$8,700

Premera Blue Cross Preferred Bronze 6350

Blue Cross Blue Shield

$402

$7,000

Premera Blue Cross Preferred Bronze 5800 HSA

Cheapest Health Insurance in Alaska for Those With Low Income

Alaskans with incomes below 250% of the Federal Poverty Level (FPL) are eligible for cost-sharing reductions. This means you will pay less out of pocket for health care services.

The cheapest low-income health insurance plan in Alaska is Moda Pioneer Alaska Standard Silver from Moda Assurance Company, with the following maximum out-of-pocket (MOOP) cost adjustments based on income:

  • Income lower than $25,485 per year (less than 150% of FPL): Moda Pioneer Alaska Standard Silver ($1,700 MOOP)
  • Income from $25,486 to $33,980 per year (151% to 200% of FPL): Moda Pioneer Alaska Standard Silver ($3,000 MOOP)
  • Income from $33,981 to $59,465 per year (201% to 250% of FPL): Moda Pioneer Alaska Standard Silver ($7,200 MOOP)

Cost-sharing reductions only apply to Silver plans. Income numbers are only for an individual and vary depending on your household size.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Moda Assurance Company

$442

$7,200

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$442

$3,000

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$442

$1,700

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$455

$1,500

Moda Pioneer Silver 4500

Moda Assurance Company

$455

$6,850

Moda Pioneer Silver 4500

Moda Assurance Company

$455

$500

Moda Pioneer Silver 4500

Blue Cross Blue Shield

$504

$1,700

Premera Blue Cross Standard Silver

Blue Cross Blue Shield

$504

$3,000

Premera Blue Cross Standard Silver

Blue Cross Blue Shield

$504

$7,200

Premera Blue Cross Standard Silver

Blue Cross Blue Shield

$508

$2,200

Premera Blue Cross Preferred Silver 4500

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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing plans don’t affect how much you pay for health insurance monthly. Instead, they require your insurance provider to cover a bigger portion of your medical expenses if you get treatment, so your deductibles, copays and MOOP costs are lower.

Taking the Moda Pioneer Alaska Standard Silver as an example, the monthly premium remains at $739 per month for both standard and low-income plans. But while the standard plan has an average MOOP cost of $8,900, the average MOOP for someone with an income below 150% of the FPL is just $1,700.

The Cheapest Health Insurance in Alaska by Plan Type

The most common plan type in Alaska is a Preferred Provider Organization (PPO) plan. Our study discovered that the least expensive Silver health insurance policy for this plan type is:

  • PPO: Moda Pioneer Alaska Standard Silver from Moda Assurance Company ($739 per month)

PPOs are ideal if you’re looking for a wider provider network. However, they tend to be more expensive than other plan types.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Moda Assurance Company

$442

$8,900

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$455

$7,600

Moda Pioneer Silver 4500

Blue Cross Blue Shield

$504

$8,900

Premera Blue Cross Standard Silver

Blue Cross Blue Shield

$508

$8,200

Premera Blue Cross Preferred Silver 4500

Moda Assurance Company

$527

$8,900

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$543

$7,600

Moda Pioneer Silver 4500

Moda Assurance Company

$592

$8,900

Moda Pioneer Alaska Standard Silver

Blue Cross Blue Shield

$602

$8,900

Premera Blue Cross Standard Silver

Blue Cross Blue Shield

$607

$8,200

Premera Blue Cross Preferred Silver 4500

Moda Assurance Company

$610

$7,600

Moda Pioneer Silver 4500

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WHAT IS THE DIFFERENCE BETWEEN PLAN TYPES?

A PPO plan is the usual plan type you’ll see when shopping around for health insurance in Alaska. PPOs are more expensive, but they offer provider flexibility — ideal if you’re receiving health care services from providers outside your network. They also don’t require a referral to see a specialist.

Cheapest Health Insurance in Alaska by County

Not all health insurance plans will be widely available in your state. Thus, the cheapest plan in one county may not be the same in another.

In Alaska’s case, however, the most affordable Silver plan remains the same for the ZIP codes included in our comparison group. For instance:

  • ZIP code starting with 996: Moda Pioneer Alaska Standard Silver ($756 per month)
  • ZIP code starting with 995: Moda Pioneer Alaska Standard Silver ($719 per month)

Use the table below to browse Silver plan options available in your location.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Moda Assurance Company

$719

$8,900

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$740

$7,600

Moda Pioneer Silver 4500

Moda Assurance Company

$741

$8,900

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$741

$8,900

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$756

$8,900

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$756

$8,900

Moda Pioneer Alaska Standard Silver

Moda Assurance Company

$763

$7,600

Moda Pioneer Silver 4500

Moda Assurance Company

$763

$7,600

Moda Pioneer Silver 4500

Moda Assurance Company

$778

$7,600

Moda Pioneer Silver 4500

Moda Assurance Company

$778

$7,600

Moda Pioneer Silver 4500

Health Insurance Costs in Alaska by Age and Metal Tier

How much you pay monthly for health insurance can vary based on the metal tier. For our sample 40-year-old buyer in Alaska, the following metal tiers have an average premium of:

  • Bronze: $491 per month
  • Expanded Bronze: $531 per month
  • Silver: $798 per month
  • Gold: $710 per month

Your health insurance costs also increase as you age. For example, a Silver plan in Alaska costs roughly $570 per month for teenagers and $1,694 per month for seniors.

We will note that, in most states, Silver plans are less expensive than Gold plans. However, that is not the case in Alaska, as indicated by the table above.

Health Insurance Costs in Alaska by Age and Metal Tier

What to Know About Alaska Health Insurance

We collected and analyzed data from private health insurance plans to find the cheapest health insurance in Alaska. Buyers can shop for coverage during the open enrollment period and choose the plan that suits their health care needs.

Alaskans with limited income or resources may qualify for Medicaid, while seniors and those who have a disability may be eligible for Medicare.

Private Health Insurance in the Alaska Marketplace

The open enrollment for private health insurance plans starts on November 1 and lasts until January 15. During this period, interested buyers can purchase or change their ACA health insurance plans.

Your health insurance coverage will kick in on January 1 if you enroll in a health plan by December 15.

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WHAT IF YOU MISS OPEN ENROLLMENT?

You may be eligible to purchase or modify a health plan during a special enrollment period if you miss the window for open enrollment.

Qualification for special enrollment is based on certain life events, including getting married, having a baby, losing health insurance coverage or moving.

What Are Health Insurance Metal Tiers?

In Alaska, health insurance plans are divided into different metal tiers: Bronze, Expanded Bronze, Silver and Gold. The less valuable metals tend to have cheaper monthly premiums and higher deductibles than the more valuable ones. However, as we noted earlier, Gold plans actually often have lower premiums than Silver plans in Alaska.

  • Bronze: Bronze plans have the lowest monthly premiums, but the trade-off is higher out-of-pocket costs. They may be ideal for buyers who don’t need much medical attention.
  • Expanded Bronze: Expanded Bronze plans offer more coverage than Bronze plans, so you pay less out of pocket for health care services.
  • Silver: Silver plans balance affordable premiums and adequate coverage. Depending on your income, you may also qualify for cost-sharing reductions to lower your deductibles, copays and co-insurance.
  • Gold: Gold plans usually have the most expensive premiums among the metal tiers available, although this isn’t always true in Alaska. However, they have lower deductibles and out-of-pocket maximums than Bronze or Silver plans.

As always, weigh the cost of a plan’s monthly premiums versus how much coverage it offers to find out which metal tier is best suited for your health care needs.

Medicaid in Alaska

Medicaid may be the cheapest option for health insurance in Alaska. If your income is below 138% of the FPL, you are automatically qualified for this government-sponsored health care program.

Medicare in Alaska

Another federal program that’s cheaper than ACA plans is Medicare, which subsidizes health care services for eligible individuals. It is available to Alaskans aged 65 and older or those with a qualifying disability.

Medicare has three parts, each covering the following services:

  • Part A: Inpatient hospital stays, some home health care, nursing facilities and hospice care.
  • Part B: Outpatient care like doctor’s visits and preventive services.
  • Part C: Prescription drugs, vaccines and other shots.

We rounded up the best Medicare Supplement plans in Alaska.

Alaska Health Insurance Frequently Asked Questions

When looking for health insurance in Alaska, you may be wondering about the cost and availability of different plan options. We answered some frequently asked questions below.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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