Best Alaska Health Insurance (2024 Plans)

Moda, with a MoneyGeek score of 100 out of 100, offers the best health insurance in Alaska. Moda provides plan options with excellent rates, low out-of-pocket costs and an impressive record of not denying claims often.

For this review of health insurance in Alaska, four Silver PPO plans were examined.

With a MoneyGeek score of 70 out of 100, Moda has the highest score for health insurance in Alaska. This insurer offers the most affordable plan options and has a better record than average for not denying claims. Moda could have scored better on out-of-pocket costs, though.

In Alaska, five Gold PPO plans were evaluated for this analysis.

Moda, earning a MoneyGeek score of 100 out of 100, is Alaska's best cheap health insurance provider. The provider offers affordable plan options, lower average out-of-pocket expenses and denies claims less often than other providers.

For this category, we evaluated four Silver PPO plans in Alaska. Although our analysis focused on silver plans with lower monthly premiums, it's also worth knowing that plans with lower premiums may have higher out-of-pocket costs.

Receiving a MoneyGeek score of 100 out of 100, Moda is the best health insurance provider for low-income people in Alaska. This insurer has plans with lower-than-average rates, minimal out-of-pocket costs and a low percentage of claim denials.

In Alaska, we evaluated four Silver CSR PPO plans. To decide the best option, we focused on plans with affordable monthly payments and those with cost-sharing reductions (CSRs). These make it easier for people who don't make much money to have lower deductibles and out-of-pocket costs. Generally, a regular Silver plan pays for about 70% of health care costs. But for CSR Silver plans, the percentage depends on your income:

• If your income is between $33,980 and $42,475 per year, you can expect coverage for about 73% of health care costs.
• For incomes $25,485 to $33,980 per year, coverage goes up to about 87%.
• Making less than $25,485 per year means up to 94% of health care costs can be covered.

These income levels change depending on the number of people living in your home.

Moda, with a MoneyGeek score of 70 out of 100, provides the best health insurance for young adults in Alaska.

Moda has affordable plan options, does not deny claims more often and has higher average scores than other providers. Only individuals under the age of 30 can get Catastrophic coverage.

We evaluated one Bronze PPO plan and six Expanded Bronze PPO plans for this category.

Health insurance companies have different plans. The best providers for all plan categories available in Alaska are:

• PPO: Moda (MoneyGeek score: 100 out of 100)

MoneyGeek's recommendation is only to use Silver plans. These plans provide a balance between what you pay each month and what you pay when you get care. They are a good choice if you seldom go to the doctor. In Alaska, there are four Silver PPO plans.

The best health insurance provider in Alaska is Moda Health. However, the ideal option for each person will vary based on their budget and health care needs. When shopping for health insurance, it’s important to keep these factors in mind.

Medicare is a federal health insurance program for adults 65 and older with a qualifying illness or disability that offers subsidized health care services for qualified individuals.

There are three parts to Medicare:

• Part A (Hospital Insurance): This will cover inpatient care, including hospital stays, home health care, nursing facilities and nursing care.
• Part B (Medical Insurance): This will cover outpatient care, including doctor visits and other preventive services.
• Part D (Prescription Drug Coverage): This will cover various prescribed medications.

MoneyGeek also provides resources for finding the best Medicare Supplement plans in Alaska.

In addition to Medicare, another federal program called Medicaid provides assistance to people with income that falls below a state-specified threshold. In Alaska, individuals whose income falls below 133% of the Federal Poverty Level (FPL) for your specific household size may be able to qualify for Medicaid.

Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.