ACA plans available
8
Plan year
2026 data Public-data reference. official source
Lake And Peninsula, Alaska Health Insurance
Open-data reference.
8 ACA plans from 1 issuer — Plan year 2026
Lake And Peninsula, Alaska offers 8 ACA marketplace plans from 1 issuer 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.
$857
Avg Silver Premium/mo
$866
Benchmark Premium/mo
+5.4%
Year-over-Year Change
$4,394
Avg Deductible
What the Numbers Say About Lake And Peninsula
Lake And Peninsula, Alaska has 8 ACA marketplace plans offered by 1 issuer for plan year 2026. The average Silver-tier premium comes in at $857/mo for a 27-year-old non-tobacco user, with the lowest Silver at $849 and the highest at $866.
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 $4,394 and the average out-of-pocket maximum is $8,063 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Lake And Peninsula shifted by +5.4%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 1 issuer active in Lake And Peninsula, consumers face limited competition, which historically correlates with higher benchmark premiums. 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
2 plans$857/mo avg
$849 — $866
Gold
3 plans$778/mo avg
$761 — $787
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Lake And Peninsula 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
1
Limited competition
Benchmark Silver
$866 /mo
Sets your subsidy ceiling
Avg deductible
$4,394
Across all metal tiers
Lake And Peninsula ACA plans by premium and deductible
Each marker is the Lake And Peninsula 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 Lake And Peninsula, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Lake And Peninsula
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Premera Blue Cross Blue Shield of Alaska | 8 | $736/mo |
All Plans in Lake And Peninsula
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| 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 |
| Premera Blue Cross Standard Gold Premera Blue Cross Blue Shield of Alaska | Gold | PPO | $760.60 | $927.52 | $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 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $598/mo | $593 | $602 | 2 | 1 |
| 2023 | $707/mo | $705 | $710 | 2 | 1 |
| 2024 | $820/mo | $811 | $828 | 2 | 1 |
| 2025 | $923/mo | $915 | $931 | 2 | 1 |
| 2026 | $857/mo | $849 | $866 | 2 | 1 |
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
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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 Lake And Peninsula, AK?
There are 8 ACA marketplace plans available in Lake And Peninsula from 1 insurance issuer for plan year 2026.
What is the cheapest health insurance plan in Lake And Peninsula?
Silver plans in Lake And Peninsula 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 Lake And Peninsula?
The benchmark (second-lowest Silver) premium in Lake And Peninsula 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 Lake And Peninsula?
Average premiums in Lake And Peninsula changed by +5.4% 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 Lake And Peninsula?
The average annual deductible across all plans in Lake And Peninsula is $4,394, and the average out-of-pocket maximum is $8,063. 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 Lake And Peninsula?
There are 1 insurance issuer offering ACA marketplace plans in Lake And Peninsula, including Premera Blue Cross Blue Shield of Alaska. 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
