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Alaska

According to the Kaiser Family Foundation (KFF), about 80,500 people in Alaska had no health insurance as of 2019. Of those, more than half (45,500) could qualify for a marketplace health plan. The total number of uninsured people in Alaska makes up 11.5% of the state’s population.

A marketplace health plan is one that complies with the rules of the Affordable Care Act, the country’s current healthcare law. Per the ACA, marketplace plans must cover 10 essential health benefits, include protections for consumers and guarantee coverage for pre-existing conditions.

Not only could more than half of Alaska’s uninsured population get comprehensive coverage from the marketplace, but KFF found that 35% of the people who qualify could enroll in a bronze plan for free.

The nonprofit also looked at average premiums for the least expensive marketplace plans in Alaska by metal type. In 2021, the average lowest costs are $435 a month for a bronze plan, $673 for silver and $608 for gold.

These averages don’t include premium subsidies, which can lower the cost of health insurance for people who earn between 100% and 400% of the federal poverty level. (In Alaska, the poverty benchmark is set at the state level.)

Premium subsidies, aka advance premium tax credits, are available to nearly 9 out of 10 people who buy marketplace coverage. Alaska is one of 36 states using the federal marketplace at HealthCare.gov, but you don’t have to use the federal exchange to buy coverage.

Private marketplaces, like ours, can help you find subsidies, too.

Using our own marketplace info, we’ve calculated the potential savings for a 40-year-old living in Ketchikan, Alaska, with an annual income of $37,000. This hypothetical Alaskan may get a bronze plan for free (meaning no premium) thanks to subsidies.

Alaska has two marketplace insurers in 2021: Premera BlueCross BlueShield of Alaska, and Moda Assurance. Plan availability and pricing depend on where you live.

Sources

Kaiser Family Foundation, “Health Insurance Coverage of the Total Population”
Kaiser Family Foundation, “Marketplace Eligibility Among the Uninsured: Implications for a Broadened Enrollment Period and ACA Outreach” (January 27, 2021)
Kaiser Family Foundation, “Average Marketplace Premiums by Metal Tier, 2018-2021”
Kaiser Family Foundation, “Insurer Participation on the ACA Marketplaces, 2014-2021” (November 23, 2020)

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