FreedomBenefits.net  affordable health insurance


The health insurance exchange makes it easy to find affordable high quality coverage available in your home state.
low cost health insurance
personal enrollment support

Professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail or live online chat.


 

Most Liberal Eligibility

low cost health insurance

Alaska Affordable Health Insurance Exchange

Alaska has 13 commercial health insurance companies that issue comprehensive coverage and 7 companies that issue small group insurance as well as a state-sponsored high risk health plan for those who do not meet standard underwriting requirements. Most low cost limited benefit, supplemental and short term insurance plans are available. Premera Blue Cross Blue Shield issues more than 75% of the total health insurance in Alaska. These standard policies may be more expensive than some residents can afford. This Web page lists the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.

low cost health insurance

Alaska insurance & benefit news

Alaska had the 8th highest health insurance costs of all states in 2008 with an average annual family premium of $13,383. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 30th out of the 51 states (including DC).
Alaska regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits".

Short Term Insurance

Intermediate Term

Supplemental Insurance



low cost health insurance

Alaska Insurance Law

The Alaska Department of Insurance Web site contains a section about the Comprehensive Health Insurance Association that serves as an insurer for high risk individuals. Premiums are subsidized by the state and capped at 145% of standard insurance rates. The Alaska Comprehensive Health Insurance Association is available to residents who have been declined for other insurance due to one of the  specifically named medical condition or a person who is HIPAA eligible. A 6 month waiting period applies before pre-existing condition is covered. The waiting period does not apply to a person who is HIPAA eligible..
The state insurance department can be reached by telephone at (907) 465-2515 or by mail at PO Box 110805, Juneau AK 99811. The state children's health insurance plan (CHIP) Web site is Alaska Denali KidCare.

Non-insurance Discount Plans


See International Coverage and Travel Insurance Listings

Consumer Insurance Issues

5/10/2010 Diabetes Coverage: A new resource to help with health insurance for diabetics in Alaska is available.


 


Office of Tony Novak Contact the Author:

The content on this Web page was last updated by consumer finance writer Tony Novak on 5/14/2010. Comments, feedback, questions and corrections are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Facebook, Twitter or the contact information included on his Web site.

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