Compare 2026 health insurance in Alaska. HealthCare.gov, Premera and Moda, metro networks, and an Alaska-licensed agent — free.
We are not an Alaska state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Alaska uses the federal marketplace at HealthCare.gov and has historically had among the highest sticker premiums in the country — which is exactly why the subsidy matters here. About 24,000 residents enroll, and roughly 74% qualify for a premium subsidy, so what most people actually pay is far below the list price.
There are two carriers: Premera Blue Cross Blue Shield of Alaska covers the state, and Moda sells in Anchorage, the Mat-Su, the Kenai Peninsula, Fairbanks North Star, and the Southeast. Anchorage care runs through Providence Alaska, Alaska Regional, and Alaska Native Medical Center; Fairbanks through Fairbanks Memorial. Distances are large, so confirm a plan reaches the hospital you'd actually use.
We're licensed in Alaska and quote both carriers directly. Below is how coverage works here — including where a short-term plan can bridge a gap — plus the areas and situations we help with most.
Alaska has always used the federal marketplace, HealthCare.gov, for individual ACA enrollment.
Alaska expanded Medicaid in 2015, so marketplace subsidies begin above the roughly 138% of poverty Medicaid floor.
These companies offer individual and family health plans in Alaska. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
No. Alaska uses the federal marketplace at HealthCare.gov. A licensed Alaska agent can enroll you in those same plans at no extra cost and also show you private off-marketplace options HealthCare.gov doesn't list.
Alaska has some of the highest sticker premiums in the nation because of its small population and high cost of care. But about 74% of enrollees get a subsidy, which caps the premium as a share of income — so what you pay may be far lower than the list price. We'll run your exact numbers.
Yes. Alaska follows federal rules with no added state duration limit, and at least one insurer offers short-term plans. They can bridge a gap but don't cover pre-existing conditions, so we'll compare one against a subsidized plan first.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.