Alaska Health Insurance

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Snapshot of Alaska Health Insurance

  • Total Alaska Residents – 659,241
  • Alaska uninsured residents – 19.43%

*Source: Kaiser Family Foundation

Do you need to buy Alaska health insurance?

Yes. Under Obamacare there is an Individual Mandate that requires U.S. citizens under the age of 65 to enroll in a health insurance plan or pay a fine. For 2015, not carrying insurance cost $325 per adult plus $162.50 per child (up to $975 per family) or 2 percent of your family’s income, whichever was more.

In 2016, your penalty for not having health insurance is 2.5% of your household income or $695 per person — whichever is higher. That’s a big increase from the 2015 penalty, which was 2% of your household income or $325 per person.

The fee will increase each year with inflation.
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What are my options for buying affordable Alaska health insurance through Obamacare?

As a resident of Alaska, you have multiple options to choose from when it comes to choosing your Alaska health insurance. You have access to affordable Alaska health plans from multiple affordable Alaska health insurance carriers in 5 coverage levels, commonly called metal tiers. Platinum is the most expensive option, but it offers the best cost-sharing benefits, covering 90 percent of health expenses. Bronze is the least expensive plan type, but it only covers 60 percent of health expenses. Some states also offer Catastrophic plans. Catastrophic plans do not cover any percentage of health expenses, and serve as the most limited form of affordable Alaska health insurance coverage available in the Obamacare market. Only persons ages 30 and younger may opt to purchase these plans. Based on 2014 enrollment figures, Silver plans are the most popular choice amongst Americans who purchased Obamacare plans.

Where do I buy affordable health insurance?

Your search for Alaska health insurance starts here. We will help to ensure that you’re getting the best possible price for your health insurance coverage. Simply complete this form or call 855-885-2798 to compare Alaska health insurance plans now.

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Should I buy an Alaska HMO plan or Alaska PPO plan?

HMO

If you choose a Health Maintenance Organization (HMO) you will have access to doctors and hospitals within the plan’s approved network. A HMO network is made up of health care providers that have agreed to certain rates for plan members. This typically results in lower premiums and/or copayments.

Unlike PPO insurance plan types, care is covered only if you see a provider within your HMO’s network. In addition, your HMO plan will only cover your visit to a health care specialist (obstetrician, cardiologist, rheumatologist) if you get a referral from your primary care physician.An HMO plan usuallyinvolves more restrictions, such as allowing only a certain number of visits, tests or treatments per year.

In general, HMO plans will have the following characteristics:

  • Lower monthly premiums
  • Must see primary care physician for a referral before seeing a specialist
  • If you seek care outside of your network (emergencies excluded), your insurance won’t cover the cost

PPO

A Preferred Provider Organization (PPO) is a managed care health plan that gives you access to multiple choices in health care and health care providers. The network of physicians in a PPO is often much larger than an HMO and you will be able to refer yourself to physicians outside of the network, but you may pay a higher copayment for this service.  Unlike HMO plans, the PPO plan does not require the use of a primary care physician (PCP) referral to see a specialist.

In general, PPO plans will have the following characteristics:

  • Higher monthly premiums
  • Higher co payments
  • Referrals aren’t needed to see a specialist
  • You can see any health care professional you want – inside or outside of your PPO network. However, going outside of your PPO network may cost you more

Who is exempt from insurance?

The individual mandate requires most everyone to purchase health insurance or pay a penalty. You may qualify for an exemption from the Obamacare penalty if you are:

  • Uninsured for less than 3 months
  • Unable to find a plan that would cost less than 8% of your household income
  • A member of a recognized health care sharing ministry, a recognized religious sect with religious objections to insurance or a federally recognized tribe
  • Incarcerated
  • Qualify for a hardship exemption

What if I don’t buy Alaska Health Insurance?

Before you decide to go without health insurance, consider the risks. There’s a 1 in 5 chance you will land in the ER at some point between the ages of 25 and 44, a trip that could cost you as much as $1,450 a pop, according to WebMD. Say you need surgery on a broken arm. That could leave you with more than $16,000 in medical bills if you’re without insurance. In fact, 1 in 4 uninsured people will lose all their savings to medical bills, which remain the leading cause of bankruptcy in the U.S.

If you’re still not convinced that purchasing affordable health insurance in Alaska is a good idea, remember that under the Affordable Care Act (ACA), you now must pay a penalty tax for going without health coverage unless you meet certain exemption criteria.

In 2016, your penalty for not having health insurance is 2.5% of your household income or $695 per person — whichever is higher. That’s a big increase from the 2015 penalty, which was 2% of your household income or $325 per person. The flat fee will continue to be adjusted for inflation every year.

I am in between jobs – can I buy short-term insurance?

Alaska short-term health insurance plans offer health care coverage for a limited period of time (around 1 to 12 months) and are a great solution when you’re between jobs, waiting for group coverage to start, or if you’re a recent college graduate.Simply complete this form or call 855-885-2798 to compare coverage plans and prices today.

Short-term health insurance plans rarely cover pre-existing medical conditions. A pre-existing medical condition is usually defined as conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have an existing medical condition, it’s a good idea to research whether you can extend your current insurance. Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA.

Can I purchase an affordable family health insurance plan?

Family health insurance is probably one of the most important purchases you’ll ever make. We simplify a complicated process and help you find the right balance between premium payments and the medical services your family needs. Simply complete this form or call 855-885-2798 to find affordable family health insurance coverage today.

Can I purchase Obamacare coverage for my children and not for myself?

Yes – you can purchase insurance for your children and not include yourself in the coverage. Simply complete this form or call 855-885-2798 to compare coverage plans and prices today. Note that if you and your spouse are uncovered, you will be subject to the tax penalty.

Can I buy an affordable dental insurance plan?

We can help you compare affordable dental plans designed to meet different needs. Take care of your oral health with a range of dental discount plans and dental insurance options. You’ll also be able to compare rates and benefits for individual dental coverage or family dental coverage. Simply complete this form or call 855-885-2798 to gain access to a large network of dental providers.