Alaska ACA Health Insurance
30 counties, 2 issuers, 15 plans
Premium Range
Premiums in Alaska range from $531/mo to $900/mo (age 27 base rate).
Reading the Alaska Marketplace
The ACA marketplace in Alaska lists 15 plans from 2 issuers spread across 30 counties. The statewide average premium is $720/mo for a 27-year-old, $878/mo at age 40, and $1,864/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $531 at the low end to $900 at the high end, before subsidies.
Geography drives most of the within-state variation: Fairbanks North Star posts the highest Silver average at $871/mo, while Haines sits at $839/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $4,502, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Alaska (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Alaska ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Fairbanks North Star | $871/mo | 15 | 2 |
| 2 | Kenai Peninsula | $871/mo | 15 | 2 |
| 3 | Matanuska Susitna | $871/mo | 15 | 2 |
| 4 | Aleutians East | $857/mo | 8 | 1 |
| 5 | Aleutians West | $857/mo | 8 | 1 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Haines | $839/mo | 15 | 2 |
| 2 | Hoonah Angoon | $839/mo | 15 | 2 |
| 3 | Juneau | $839/mo | 15 | 2 |
| 4 | Ketchikan Gateway | $839/mo | 15 | 2 |
| 5 | Petersburg | $839/mo | 15 | 2 |
All Counties in Alaska
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Aleutians East | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Aleutians West | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Anchorage | $846 | N/A | $761 | 15 | 2 | +10.4% |
| Bethel | $849 | N/A | $770 | 8 | 1 | +5.4% |
| Bristol Bay | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Chugach | $849 | N/A | $770 | 8 | 1 | +5.4% |
| Copper River | $849 | N/A | $770 | 8 | 1 | +5.4% |
| Denali | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Dillingham | $849 | N/A | $770 | 8 | 1 | +5.4% |
| Fairbanks North Star | $871 | N/A | $781 | 15 | 2 | +10.4% |
| Haines | $839 | N/A | $750 | 15 | 2 | +10.4% |
| Hoonah Angoon | $839 | N/A | $750 | 15 | 2 | +10.4% |
| Juneau | $839 | N/A | $750 | 15 | 2 | +10.4% |
| Kenai Peninsula | $871 | N/A | $781 | 15 | 2 | +10.4% |
| Ketchikan Gateway | $839 | N/A | $750 | 15 | 2 | +10.4% |
| Kodiak Island | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Kusilvak | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Lake And Peninsula | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Matanuska Susitna | $871 | N/A | $781 | 15 | 2 | +10.4% |
| Nome | $857 | N/A | $778 | 8 | 1 | +5.4% |
| North Slope | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Northwest Arctic | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Petersburg | $839 | N/A | $750 | 15 | 2 | +10.4% |
| Prince Of Wales Hyder | $839 | N/A | $750 | 15 | 2 | +10.4% |
| Sitka | $839 | N/A | $750 | 15 | 2 | +10.4% |
| Skagway | $839 | N/A | $750 | 15 | 2 | +10.4% |
| Southeast Fairbanks | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Wrangell | $839 | N/A | $750 | 15 | 2 | +10.4% |
| Yakutat | $857 | N/A | $778 | 8 | 1 | +5.4% |
| Yukon Koyukuk | $857 | N/A | $778 | 8 | 1 | +5.4% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Alaska
The Affordable Care Act marketplace in Alaska offers 15 health insurance plans from 2 issuers across 30 counties. Premiums vary significantly by geography: the most expensive county (Fairbanks North Star) averages $871/mo for a Silver plan, while the most affordable (Haines) averages $839/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $4,502, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
How much does health insurance cost in Alaska? ▼
What is the cheapest health insurance plan in Alaska? ▼
How many health insurance companies operate in Alaska? ▼
Where is health insurance most expensive in Alaska? ▼
What is the average deductible for health plans in Alaska? ▼
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
Related
