Search

Cheap Health Insurance in Alaska

High insurance costs have been a common concern for Americans and Alaskans lately, and there is little indication that they’ll decrease. We present to you a cheat sheet on how to pay less for your premiums.
Cheap Health Insurance in Alaska
A Forbes study said Americans anticipate premiums rising by 6% on average in 2024 due to demand and inflation. Let's take a look at cheap health insurance in Alaska.
In this article

Health insurance is crucial for financial planning, as it covers preventive and sudden medical costs. High insurance costs have been a common concern for Americans and Alaskans lately, and there is little indication that they’ll decrease.

A Forbes study said Americans anticipate premiums rising by 6% on average in 2024 due to inflation. Let’s take a look at cheap health insurance in Alaska.

Top Cheap Health Insurance in Alaska

High insurance premiums are a serious problem. According to the Centers for Disease Control and Prevention, uninsured non-elderly adults cite high costs as the primary reason for not having health insurance. To help you get the best care at the lowest price, we have curated a list of the top affordable health insurance options in Alaska.


Beem

Beem is a top marketplace for affordable health insurance in Alaska, offering a variety of flexible plans to fit different lifestyles and budgets. With Beem, individuals can access various health insurance options, including short-term medical, accident, critical illness, and dental insurance, each designed to meet specific coverage needs. Here’s a detailed overview of Beem’s offerings:

ProsVariety of flexible plansAccess to large national networksThere are no waiting periods for many plansMultiple benefit levelsCustomizable coverage options
ConsSome plans offer only short-term coverageSupplemental nature of certain plans (e.g., accident insurance)
Monthly costShort Term Medical: $50 to $200+Accident Insurance: $10 to $50+Critical illness: $20 to $100+Dental insurance: $15 to $75+
Out Of Pocket CostsShort Term Medical: Typically ranges from $1,000 to $10,000Accident Insurance: Typically, no out-of-pocket costsCritical Illness: No out-of-pocket costs (lump sum cash benefit)Dental Insurance: Varies by plan, often minimal for preventive care
DeductiblesShort-Term Medical: Typically $1,000 to $10,000Accident Insurance: No deductiblesCritical Illness: No deductiblesDental Insurance: Varies by plan

Short Term Medical plans offer flexibility for those needing temporary coverage, such as individuals between jobs or waiting for open enrollment. These plans can be customized with different coverage durations, telemedicine perks, and discounts on everyday items.

Accident Insurance provides additional financial protection by covering out-of-pocket costs from accidents. It offers a cash benefit for covered services, with flexible terms and guaranteed coverage for applicants aged 18 to 64.

Critical Illness Plans support individuals diagnosed with severe health conditions like cancer, heart attacks, or strokes by providing lump-sum cash benefits. These plans help cover out-of-pocket expenses, allowing individuals to focus on recovery. Dental insurance offer multiple benefit levels and immediate coverage for preventive care. Such plans often include network discounts on basic and major dental services.

Moda Health

Moda Health is recognized as one of the top affordable health insurance providers in Alaska. It offers a range of plans to meet individual and family needs, including individual and group plans, Medicare, and short-term medical and dental insurance. Moda Health ensures members can access various health tools and resources through its member dashboard.

ProsDiverse provider networkInclusive benefits for LGBTQIA+ membersHealthcare Cost Estimator toolAccess to 16,000+ fitness centers with Active&Fit DirectDigital ID cards and online claim management
ConsSome plans may have limited coverage areasPremiums can vary based on specific plans and coverage options
Monthly CostIndividual plans: $200 to $400+Group plans: Varies by employerMedicare plans: $50 to $150+Short-term medical: $50 to $200+
Out Of Pocket CostsTypically, it ranges from $1,000 to $8,000, depending on the plan and coverage type.
DeductiblesIndividual plans: $1,000 to $5,000+Group plans: Varies by employerMedicare plans: $500 to $2,000+Short-term medical: $1,000 to $10,000

Premera Blue Cross Blue Shield of Alaska

Premera Blue Cross Blue Shield of Alaska is a leading affordable health insurance provider in Alaska. Focusing on mental health care, addressing health disparities, and offering nationwide coverage, Premera ensures quality and accessible healthcare.

ProsExtensive network of providersFocus on mental health and trauma-informed careNationwide coveragePersonalized healthcare solutions
ConsSome plans may have higher premiumsWeight-loss drug discontinuation rates
Monthly CostIndividual plans: $200 to $500+Family plans: $500 to $1,200+
Out Of Pocket CostsIt ranges from $2,000 to $8,000
DeductiblesIndividual plans: $1,000 to $5,000+Family plans: $2,000 to $10,000+

UnitedHealthcare

UnitedHealthcare offers diverse health insurance plans tailored to meet individual and family needs. It provides nationwide coverage and personalized healthcare solutions, making it easier for members to find in-network providers and manage their healthcare costs effectively. Comprehensive coverage and member-focused services make UnitedHealthcare a top choice.

ProsPlans for every stage of lifeAccess to the UnitedHealthcare app for easy managementMental health support resources available
ConsMonthly costs may vary based on specific plansWeight-loss drug discontinuation rates
Monthly CostIndividual plans: $200 to $500+Family plans: $500 to $1,200+
Out Of Pocket CostsFrom $2,000 to $8,000, depending on the plan
DeductiblesIndividual plans: $1,000 to $5,000+Family plans: $2,000 to $10,000+

Aetna

Aetna is one of Alaska’s top affordable health insurance providers, offering unique plans tailored to individual needs. Its offerings cater to various audiences, including individuals, families, Medicare beneficiaries, employers, and medical and dental providers. While the monthly cost may vary depending on the specific plan and coverage options, Aetna’s plans provide comprehensive coverage for medical needs. However, members should consider potential out-of-pocket expenses and deductibles when selecting a plan. 

ProsTailored plans for individuals, families, and various audiencesTrusted care and guidanceQuality health insurance benefits
ConsMonthly costs may vary based on specific plansPotential out-of-pocket expenses and deductibles
Monthly CostIndividual plans: $200 to $500+Family plans: $500 to $1,200+
Out Of Pocket CostsBetween $2,000 to $8,000
DeductiblesIndividual plans: $1,000 to $5,000+Family plans: $2,000 to $10,000+

Oscar Health

Oscar Health offers features such as activating member accounts, seamless payment options, and finding nearby providers through their mobile app. While Oscar Health boasts convenient virtual care options and savings on prescription drugs, members should consider potential limitations in provider networks and coverage areas. Monthly costs may vary based on the selected plan, but members can benefit from $0 virtual urgent care visits and access to a dedicated Care Team for personalized support.

ProsUser-friendly mobile app for easy access to careDedicated Care Team for personalized supportSavings on prescription drugs and $0 virtual urgent care visits
ConsPotential limitations in provider networks and coverage areasMonthly costs may vary based on selected plans
Monthly CostIndividual plans: $200 to $500+Family plans: $500 to $1,200+
Out Of Pocket CostsRanges between $2,000 to $8,000
DeductiblesIndividual plans: $1,000 to $5,000+Family plans: $2,000 to $10,000+

Medicaid

Medicaid stands out as one of the leading options for affordable health insurance. Although coverage parameters may vary by state, Medicaid typically covers many healthcare services, including doctor visits, hospital stays, and prescription drugs. Moreover, the program often features low or even zero monthly costs for eligible enrollees, making it an accessible option for many. However, members should be aware of potential out-of-pocket expenses and varying levels of coverage across states.

ProsEssential coverage for low-income individuals and familiesLow or zero monthly costs for eligible enrolleesWide range of covered healthcare services
ConsVarying levels of coverage and eligibility criteria across statesPotential out-of-pocket expenses for certain services
Monthly CostTypically, low or zero monthly costs for eligible enrollees
Out Of Pocket CostsVaries depending on the state and the specific Medicaid plan
DeductiblesOften, minimal or nonexistent deductibles, especially for essential services

Healthcare.gov

Healthcare.gov offers accessible and affordable health insurance options. People can find coverage tailored to their needs through the Health Insurance Marketplace, even if they don’t have health insurance through an employer or another qualifying source. Enrollment is available during the annual Open Enrollment period from November 1 to January 15, with coverage starting as soon as the following month. Additionally, special enrollment periods are available for those experiencing qualifying life events or income changes. Most enrollees qualify for savings, including lower monthly premiums and reduced out-of-pocket costs. Applicants can apply for coverage conveniently online, by phone, or with the assistance of trained professionals.

ProsAffordable coverage options tailored to individual and family needsAccessible enrollment process
ConsA monthly premium payment is required to activate coverageCoverage availability may vary depending on the location
Monthly CostVaried depending on income and selected plan
Out Of Pocket CostsVaries depending on the plan selected
DeductiblesDetermined by the chosen plan

Conclusion

Families and individuals in Alaska must access reasonably priced health insurance to maintain their financial stability and peace of mind when controlling medical expenses. From Beem and Moda Health to Premera Blue Cross Blue Shield and UnitedHealthcare, the alternatives offer customized plans with distinct benefits to accommodate many needs and budgets. To further improve healthcare accessibility throughout the state, Medicaid and Healthcare.gov offer low-income people accessible solutions. Alaskans can minimize financial stress and protect their health and well-being by researching these possibilities and considering their situation.

Read related article: Cheap health insurance in Michigan.

FAQs

Who has the lowest health insurance rates in Alaska?

Alaska’s lowest health insurance rates can vary depending on individual circumstances and the chosen plan. It’s essential to compare options from different providers to find the most affordable coverage for your needs. 

How to get free health insurance in Alaska?

While free health insurance may not be available in Alaska, Medicaid provides low-cost or even zero-cost coverage for eligible individuals and families with low incomes. Visit the Medicaid website or contact your state Medicaid office for more information.

Which has low deductibles and out of pockets in Alaska?

With its partner, Beem typically offers low deductibles and minimal out-of-pocket costs for eligible enrollees in Alaska. Additionally, some marketplace plans may have lower deductibles and out-of-pocket expenses, depending on the selected plan and income eligibility.

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!

👍👎

Author

Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

Related Posts

How Much Does Fake Teeth Cost?
Replacing missing teeth offers a lot of advantages. A complete set of teeth enhances your appearance and plays a crucial role in maintaining the structure of your mouth and jaw. Let's get started on this exciting and important topic.
How to Get Dental Implants Covered by Medical Insurance
Modern technology and treatment methods enable us to restore our smiles because of dental implants. Yet, such implants can be expensive. This blog dwells on how to subvert such costs.
Does Dental Insurance Cover Implants?
Dental implants are a valuable solution for replacing missing teeth. Yet, their high costs are a concern. In this blog, discover whether dental insurance covers implant costs, among others, to help you make the right decision.
How to Get Insurance to Pay for Eyelid Surgery
Eyelid surgery can provide multiple benefits, cosmetic and functional. It can rejuvenate your appearance by removing excess skin, fat, and muscle from the upper and lower eyelids. It can also address medical issues. But read this blog to understand if insurance will meet your needs.
Is Blepharoplasty Covered By Insurance?
Understanding insurance coverage for blepharoplasty hinges on its distinction between cosmetic and medically necessary purposes. Since medical insurance doesn't typically cover cosmetic procedures, elective blepharoplasty for aesthetic reasons is usually not reimbursed. And how can one determine if insurance will cover the procedure? Read to know more.
Does Insurance Cover Root Canal?
This blog will cover everything about root canal procedures, their associated costs, and how dental insurance can help pay for treatment. It also examines dental insurance plans and ways to get the most from your coverage.
Features
Essentials

Get up to $1,000 for emergencies

Send money to anyone in the US

Ger personalized financial insights

Monitor and grow credit score

Save up to 40% on car insurance

Get up to $1,000 for loss of income

Insure up to $1 Million

Coming Soon

File federal and state taxes at low cost

Quick estimate of your tax returns

Get up to $1,000 for emergencies

Send money to anyone in the US

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: