ACA plans available
15
Plan year
2026 data Public-data reference. official source
Fairbanks North Star, Alaska Health Insurance
Open-data reference.
15 ACA plans from 2 issuers — Plan year 2026
Fairbanks North Star, Alaska offers 15 ACA marketplace plans from 2 issuers for plan year 2026. Silver plans start at $849/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$871
Avg Silver Premium/mo
$866
Benchmark Premium/mo
+10.4%
Year-over-Year Change
$4,577
Avg Deductible
What the Numbers Say About Fairbanks North Star
Fairbanks North Star, Alaska has 15 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $871/mo for a 27-year-old non-tobacco user, with the lowest Silver at $849 and the highest at $900.
The benchmark (second-lowest Silver) premium is $866/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,577 and the average out-of-pocket maximum is $8,160 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Fairbanks North Star shifted by +10.4%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Fairbanks North Star, consumers have some competitive choice, though narrower than the most competitive counties. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
4 plans$871/mo avg
$849 — $900
Gold
5 plans$781/mo avg
$761 — $791
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Fairbanks North Star is $866/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
2
Some competition
Benchmark Silver
$866 /mo
Sets your subsidy ceiling
Avg deductible
$4,577
Across all metal tiers
Fairbanks North Star ACA plans by premium and deductible
Each marker is the Fairbanks North Star average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Fairbanks North Star, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Fairbanks North Star
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Premera Blue Cross Blue Shield of Alaska | 8 | $736/mo |
| Moda Health Plan, Inc. | 7 | $724/mo |
All Plans in Fairbanks North Star
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Moda Select Alaska Standard Bronze Moda Health Plan, Inc. | Expanded Bronze | PPO | $558.00 | $681.00 | $7,500 | $10,000 |
| Moda Select Alaska Bronze HDHP 5500 Moda Health Plan, Inc. | Expanded Bronze | PPO | $585.00 | $713.00 | $5,500 | $8,050 |
| Moda Select Alaska Bronze 6500 Moda Health Plan, Inc. | Expanded Bronze | PPO | $588.00 | $717.00 | $6,500 | $9,000 |
| Premera Blue Cross Standard Bronze II Premera Blue Cross Blue Shield of Alaska | Expanded Bronze | PPO | $598.06 | $729.31 | $7,500 | $10,000 |
| Premera Blue Cross Preferred Bronze 5800 HSA Premera Blue Cross Blue Shield of Alaska | Expanded Bronze | PPO | $615.20 | $750.22 | $5,800 | $8,000 |
| Premera Blue Cross Preferred Bronze 6350 Premera Blue Cross Blue Shield of Alaska | Expanded Bronze | PPO | $627.01 | $764.61 | $6,350 | $8,700 |
| Premera Blue Cross Standard Silver Premera Blue Cross Blue Shield of Alaska | Silver | PPO | $849.14 | $1,035.50 | $6,000 | $8,900 |
| Premera Blue Cross Preferred Silver 4500 Premera Blue Cross Blue Shield of Alaska | Silver | PPO | $865.74 | $1,055.75 | $4,500 | $8,100 |
| Moda Select Alaska Standard Silver Moda Health Plan, Inc. | Silver | PPO | $871.00 | $1,062.00 | $6,000 | $8,900 |
| Moda Select Alaska Silver 4500 Moda Health Plan, Inc. | Silver | PPO | $900.00 | $1,097.00 | $4,500 | $7,750 |
| Premera Blue Cross Standard Gold Premera Blue Cross Blue Shield of Alaska | Gold | PPO | $760.60 | $927.52 | $2,000 | $8,200 |
| Moda Select Alaska Standard Gold Moda Health Plan, Inc. | Gold | PPO | $778.00 | $949.00 | $2,000 | $8,200 |
| Premera Blue Cross Alaska One Gold Premera Blue Cross Blue Shield of Alaska | Gold | PPO | $786.62 | $959.25 | $1,500 | $6,300 |
| Premera Blue Cross Preferred Gold 1500 Premera Blue Cross Blue Shield of Alaska | Gold | PPO | $787.24 | $960.01 | $1,500 | $6,300 |
| Moda Select Alaska Gold 1500 Moda Health Plan, Inc. | Gold | PPO | $791.00 | $965.00 | $1,500 | $6,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $586/mo | $563 | $602 | 3 | 2 |
| 2023 | $668/mo | $620 | $710 | 4 | 2 |
| 2024 | $777/mo | $724 | $828 | 4 | 2 |
| 2025 | $900/mo | $870 | $931 | 4 | 2 |
| 2026 | $871/mo | $849 | $900 | 4 | 2 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Alaska
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Fairbanks North Star, AK?
There are 15 ACA marketplace plans available in Fairbanks North Star from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Fairbanks North Star?
Silver plans in Fairbanks North Star start at $849/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Fairbanks North Star?
The benchmark (second-lowest Silver) premium in Fairbanks North Star is $866/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Fairbanks North Star?
Average premiums in Fairbanks North Star changed by +10.4% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Fairbanks North Star?
The average annual deductible across all plans in Fairbanks North Star is $4,577, and the average out-of-pocket maximum is $8,160. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Fairbanks North Star?
There are 2 insurance issuers offering ACA marketplace plans in Fairbanks North Star, including Premera Blue Cross Blue Shield of Alaska, Moda Health Plan, Inc.. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
