With a score of 100 out of 100, Moda Health offers the best health insurance in Alaska with the greatest balance of affordability, customer service and coverage. However, if the company is unavailable in your area, Blue Cross Blue Shield also offers some of the top coverage options in the state.
Best Health Insurance in Alaska
Updated: June 24, 2025
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Key Takeaways
Overall, Moda Health offers the best and most balanced coverage in Alaska for health insurance.
Blue Cross Blue Shield provides the best cheap health insurance in Alaska, with Silver-tier plans averaging $780 monthly, where available.
To find the best health insurance in Alaska, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in Alaska
| Moda Health | 100 | Moda Health Pioneer Silver 4500 |
| Blue Cross Blue Shield | 60 | Premera Blue Cross Standard Silver |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in Alaska by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
| Children/Families | Moda |
| Young Adults | Moda |
| Seniors | Moda |
| PPO | Moda |
Best Alaska Health Insurance Reviews
To help you learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.
Moda Health: Best Overall
pros
Strong regional presence and comprehensive provider networks
Integrated care coordination and travel coverage
Best overall for most in the state
cons
Poor customer service and inaccurate information
COMPANY HIGHLIGHTS
Moda Health was our pick for Alaska's best overall health insurance, with a MoneyGeek score of 100 out of 100. It offers affordable plan options, low out-of-pocket costs and an impressive 15% claims denial rate. Founded in 1955 and serving the Pacific Northwest since returning to Alaska's individual market, Moda provides comprehensive coverage through its Pioneer Network across Anchorage, Fairbanks, Kenai Peninsula and Southeast Alaska boroughs, with a focus on improving community health through high-quality, affordable health care coverage.
Blue Cross Blue Shield: Best Customer Reputation
pros
Most affordable rates in the state
Highest customer reputation score in Alaska
cons
Largest number of in-network counties
No out-of-network coverage, unless there's a medical emergency
COMPANY HIGHLIGHTS
Blue Cross Blue Shield of Alaska excels in customer service and is the largest health insurance carrier in the Pacific Northwest. The company serves over 2.6 million people and has operated statewide since 1957 with deep Alaska roots. Blue Cross Blue Shield offers comprehensive coverage with best-in-class customer service, 24-hour virtual care and disease management programs for chronic conditions. Enhanced benefits include two primary care visits with $1 copays for 2025. This makes them the preferred choice for customers prioritizing service quality and extensive network access.
How to Find the Best Health Insurance for You in Alaska
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket limits for plans. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start at $780 monthly in Alaska, depending on your personal profile and chosen plan type. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Alaska Medicare Supplement and best Medicare Advantage plans in Alaska if you want to learn more.
Best Health Insurance in Alaska: Bottom Line
Our top picks for Alaska health insurance are Moda Health and Blue Cross Blue Shield. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Alaska Health Insurance: FAQ
Below, we've answered frequently asked questions about the best health insurance in Alaska:
What is the best health insurance provider in Alaska for 2025?
Moda Health provides the best health insurance in Alaska for 2025. However, the best choice for you will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Alaska?
When finding the best health insurance plan, compare both premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in Alaska
To rank health care insurance providers in Alaska, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Alaska" and "Best Health Insurance in Alaska for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Alaska," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in Alaska for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.