Alaska Health InsuranceIndividuals and Families
Alaska Health Insurance
How to find an affordable plan.
Alaska offers some unique challenges for those looking for affordable health insurance options. While the major cities in Alaska have excellent health care facilities and plenty of doctors, if you live in one of the more remote areas of Alaska, you might have some additional needs. Even though Alaska presents some challenging health care situations, the health insurance carriers that provide coverage are almost identical to what is available elsewhere in the U.S. Many major health insurance providers that have nationwide coverage also offer policies to those living in Alaska. Premera Blue Cross Blue Shield is by far the largest individual and family insurance provider in the state, representing two-thirds of that market share in the state as of 2009. Aetna health insurance is the second largest provider, but only represents less than 10% of the individual and family market. Aetna provides all of the major types of health insurance coverage and their nationwide corporation helps to keep the costs low. Another well respected company with nationwide coverage that is available to Alaskan residents is Golden Rule. They help keep costs down by offering flexible plans with varying deductibles that you can choose to keep your costs down. Higher deductibles and co-payments can be a good option for those who don't see doctors often. If you choose a plan like that to keep your monthly premiums down make sure you set aside a fair amount of money to help pay the out of pocket expenses of your policy.
Leading Alaska Health Insurance Companies
Health Insurance Quotes Online
The best way to find health insurance quotes is Alaska is by searching and comparing plans online. This allows you to compare the various benefits and costs of each policy without the pressure of having to decide over the phone. If you live in a remote area of Alaska, one thing you will want to consider when looking at health insurance quotes is emergency medical transportation. Even though most of the smaller towns and villages in Alaska have medical stations, the need to be transported to a major city is more common in rural areas of Alaska than it is in rural areas of other states.
Alaska Health Savings Plan (HSA)
Another option for some people in Alaska is a health savings plan of HSA. Unlike a regular health insurance plan, these do not pay a percentage of your care. What they do is allow you to put money into a savings account so that you have it when you need medical attention. The downside to health savings plans is that few people can save enough to offset a major medical emergency or long term illness. A health savings plan is not a good idea for anyone who engages in dangerous activities, has existing health issues, or past history of health problems, and it is not a good idea for families with small children. Always consider how your health insurance plan will work for your unique situation rather than just how much it will cost up front. However, HAS contributions are tax deductible and earnings on your account are tax deferred. As long as your distributions from an HAS are used for medical expenses, they are tax free.
Alaska Comprehensive Health Insurance Association (ACHIA)
The Alaska Comprehensive Health Insurance Association provides health insurance plans for individuals who have pre-existing conditions and who have been uninsured for a minimum of six months. This plan is a great option for those who have been denied coverage by a major medical insurance carrier. To apply for ACHIA coverage you must submit an application and 1) prove your residency in the state of Alaska; 2) show that you have been uninsured for at least six months; and 3) provide a letter of denial from an insurance carrier due to your pre-existing conditions.
Resources and Information
Alaska Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Alaska Doctor Directory
Doctors practicing medicine in the State of Alaska are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.