Health insurance cost in Alaska
If you're moving to Alaska without job-based coverage, here's what a Marketplace plan costs before subsidies. Alaska ranks #48 of 51 for the lowest benchmark premium.
Monthly premium by age
| Age | Benchmark silver | Cheapest bronze |
|---|---|---|
| 21 | $807 | $523 |
| 30 | $916 | $594 |
| 40 | $1,032 | $669 |
| 50 | $1,442 | $935 |
| 60 | $2,192 | $1,421 |
| 64 | $2,422 | $1,570 |
Scaled from the age-40 average with the federal default age curve, which lets insurers charge a 64-year-old up to 3× what a 21-year-old pays. Excludes tobacco surcharges.
The Alaska benchmark fell 1% for 2026 while the national benchmark rose 26%, leaving it 65% above the U.S. average for a 40-year-old.
What is different in Alaska
- Where to enroll
- HealthCare.gov
- Open enrollment for 2027
- Nov 1 – Jan 15
- Marketplace insurers, 2026
- 2
- Medicaid expansion
- Since Sep 2015
- Penalty if uninsured
- None
- Average paid after credits, 2026
- $344/mo
- Where and when. Alaska uses HealthCare.gov, the federal marketplace. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for coverage that starts January 1.
- Choice of insurers. 2 insurers sell Marketplace plans in Alaska for 2026, the same number as in 2025. With so few to choose from, check that your doctors are in a plan's network before you pick it. 26,079 people picked a Marketplace plan here for 2026, down 9% from 2025.
- What enrollees paid. Enrollees here paid an average of $344 a month after tax credits for 2026, up 54% from the $223 they paid for 2025 (U.S. average: $178). Before credits, the plans they chose averaged $1,043.
- Medicaid. Alaska expanded Medicaid in September 2015. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan.
- Going uninsured. Alaska doesn't charge a penalty for going without coverage, and the federal penalty ended after 2018. In 2024, 11.1% of residents had no health insurance, one of the five highest shares (U.S.: 8.2%), and 4.7% bought their own coverage.
Subsidies in 2026
The enhanced premium tax credits of 2021–2025 expired, so 2026 follows the original ACA rules: credits are available for household incomes between 100% and 400% of the federal poverty level, and you're expected to pay between about 2.1% and 9.96% of income for the benchmark plan. Above 400% there's no federal credit. Check your price at HealthCare.gov.
Frequently asked questions
How much is health insurance in Alaska in 2026?
The benchmark silver plan for a 40-year-old averages $1,032 a month before subsidies, and the cheapest bronze plan $669 (KFF analysis of CMS data). That's down 1% from 2025.
How much does health insurance cost for a 60-year-old in Alaska?
About $2,192 a month for the benchmark silver plan before subsidies, using the federal default age curve.
Did Alaska expand Medicaid?
Alaska expanded Medicaid in September 2015. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan.