Alaska Health Insurance

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According to the Center for Disease Control, between 2001 and 2003 an average of 17.8% of the population in Alaska did not have health insurance.

Alaska Health Insurance Regulations

Individual health insurance varies in Alaska and can turn applicants away based on “uninsurable” conditions. Alaska health insurance through an employer, however, cannot turn away an employee for health coverage.

Some regulations on Alaska health insurance are relaxed. For example, Alaska health insurance rates are not regulated and companies can sell insurance at any rate but generally keep that rate the same for similar individuals. This rate is dependant upon health, age, and risk of insurance due to dangerous careers.

Alaska medical Insurance is, however required to have a guaranteed renewability provision which means that requests to renew an Alaska health insurance policy cannot be denied provide the consumer has not voided the contract. Elimination riders are also common in individual Alaska health insurance policies but are excluded from group health insurance policies. These riders are provisions that eliminate the responsibility of the insurance company under certain conditions such as a pre-existing medical condition.

Alternative Alaska Health Insurance Options

Some Alaska health insurance plans available to state residents are:

• Alaska Medicaid & Chronic Acute Medical Assistance is available to anyone who meets the qualifying conditions.
• Alaska Comprehensive Health Insurance Association is the high-risk pool for Alaska Health insurance through the state and is available to those who qualify as “uninsurable” due to chronic illness. Pre-existing condition waiting period may apply.
• Denali KidCare is Alaska’s state children’s health insurance program that is designed to provide Alaska health insurance to children under the age of 18 and pregnant women who don’t qualify for Medicaid.

Other means of obtaining Alaska health insurance or medical care include:

• Breast and Cervical Cancer Health Check Program
• Trade Adjustment Assistance (TAA) Program
• Health Coverage Tax Credit (HCTC)
• Pension Benefit Guaranty Corporation (PBGC)

More Information on Alaska Health Insurance

Alaska Division of Insurance

9th Floor State Office Bldg.
333 Willoughby Avenue 99801
PO Box 110805
Juneau, Alaska 99811-0805

(907) 465-2515
Fax (907) 465-3422
TDD (907) 465-5437

Robert B. Atwood Building
550 W. 7th Avenue, Suite 1560
Anchorage, Alaska 99501-3567

(907) 269-7900
Fax (907) 269-7910
TDD (907) 465-5437

Alaska Health Insurance Organizations

According to the Alaska Division of Insurance, the top Alaska health insurance providers are:

• Premera Blue Cross Blue Shield of Alaska
• Principal Life Insurance Company
• Aetna Life Insurance Company
• Golden Rule Insurance Company
• Mega Life and Health Insurance Company

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