Alaska Health Insurance
As a resident of Alaska, you have plenty of Alaska health insurance options to choose from. There are multiple insurance companies in Alaska that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Alaska. See some of the state's top health insurance companies and read about the important Alaska health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Alaska health insurance programs.
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If you would like to get free quotes and compare Alaska health insurance plans now, start with our simple form on the left.
Resources on this page
Alaska Health Insurance Laws and Regulations
Public Health Insurance Programs for Alaska Residents
Alaska Health Insurance High Risk Pools
Alaska Health Insurance Companies
Contact Info for the Alaska Division of Insurance and Health and Human Services
Alaska Health Insurance Laws and Regulations
All states have their own laws that govern the individual health insurance market. Here are a few of the laws and regulations in Alaska.
Alaska health insurance plans are guaranteed renewable. That means Alaska health insurance companies cannot cancel coverage because a policyholder was injured or became sick.
Alaska state law requires all individual health plan cover certain medical services. Here are the required services:
- Screening for breast, cervical, prostate and colorectal cancer
- Continuity of care for pregnant women
- Care for some diabetes-related conditions
- Hearing aids for children
The state also has a high-risk health insurance pool for individuals who cannot find coverage because of a pre-existing health condition. Residents can get insurance from this pool, the Alaska Comprehensive Health Insurance Association, if:
- They are uninsured.
- They are HIPAA-eligible.
- They have been denied coverage.
- They have been diagnosed with a serious health condition such as cancer, diabetes or AIDS.
- They were accepted for a plan, but that policy had many coverage exclusions.
Alaska residents are also protected under the federal laws COBRA and HIPAA.
COBRA gives citizens the right to continue coverage from a former employer for a temporary period of time. HIPAA prohibits insurers from imposing coverage exclusion or waiting periods on residents purchasing an individual Alaska health insurance policy after leaving an employer's group plan.
Alaska Health Insurance Public Programs
Here are the public Alaska health insurance programs for low-income residents:
- Medicaid
The Alaska Medicaid program provides health insurance coverage for some low-income residents. To learn more about Medicaid in Alaska, visit their website. - Denali KidCare
This health care program provides coverage for children up to age 18 and pregnant women who meet income eligibility requirements. For more information about this Alaska health insurance program, visit them online. - Breast and Cervical Cancer Health Check
Low-income women in Alaska may qualify for screening for breast and cervical cancer coverage, and if diagnosed with either cancer, could qualify for full coverage through Medicaid. To learn more, visit the program's website. - Alaska Medicare
Seniors who are eligible for Alaska Medicare can find coverage through Medicare Advantage, Medicare Supplement and Original Medicare.
Some Alaska trade workers and early retirees are eligible for the Federal Health Coverage Tax Credit, which pays 65 percent of their health insurance premiums. Visit the Internal Revenue Service (IRS) online for more info.
Alaska Health Insurance High Risk Pools
The Patient Protection and Affordable Care Act set up temporary high risk pools to provide individuals with medical conditions health insurance coverage.
The Pre-Existing Condition Insurance Plan (PCIP) will require enrollees to pay monthly premiums and out-of-pocket costs like normal Alaska health insurance plans.
Alaska residents with PCIP will basically pay the same amount that people without pre-existing conditions pay. The estimated monthly premiums rates for Alaska residents are between $434 and $1,735 a month. The deductible that an individual must meet before the PCIP will pay for benefits is $1,500 with a $3,000 out-of-pocket limit.
Individuals are eligible for the Alaska PCIP if they are a United States citizen, have been without health insurance for six months and have a pre-existing condition.
Benefits from the high risk pool will include primary and specialty health care, hospital visits and prescription medications.
To find more information on the Alaska health insurance high risk pools at http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in Alaska:
Aetna Health Insurance
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Golden Rule Health Insurance
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
ODS Alaska Health Insurance
Founded in 1955, ODS Alaska is a large organization that offers dental, medical, and professional liability insurance produts to indiviuals and employers. ODS is a leader in dental insurance and is quickly growing into a leader in medical insurance with approximately 800,000 members to date.
Premera Blue Cross Blue Shield of Alaska Health Insurance
As a non-profit insurance company, Premera BCBS of Alaska provides a wide variety of health insurance plans with superior customer service.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health Insurance
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Alaska Division of Insurance and Health and Human Services
Find the contact Information for the Alaska health insurance and health and human services divisions at:
Alaska Division of Insurance
9th Floor State Office Building
333 Willoughby Avenue 99801
PO Box 110805
Juneau, AK 99811-0805
Phone: (907) 465-2515
http://www.dced.state.ak.us/insurance/
Alaska Health and Human Services
350 Main Street, Room 404
PO Box 110601
Juneau, AK 99811-0601
Phone: (907) 465-3030
http://www.hss.state.ak.us/
