Health insurance brokers in Alaska

• 2insurance companies sell individual health plans in Alaska for 2027
• 26,079Alaskans signed up for a marketplace plan for 2026, the first decline in several years
• $0what a broker costs you, in Anchorage or anywhere else in Alaska

Two carriers, and a reinsurance program holding prices down

Only two insurers, Premera Blue Cross Blue Shield of Alaska and Moda, sell individual plans in Alaska for 2027, the same two as in 2026. Premera covers more than 18,000 Alaskans in the individual market on its own. Moda left Alaska's individual market for a few years and came back for 2020. Alaska also runs a reinsurance program, in place since 2018 under a federal waiver and extended through 2027, that pays for very high cost claims so they do not land on everyone's premium.

Even with that help, full price premiums here are much higher than the national average. For 2027 the approved average increase is about 22.5 percent before subsidies, among the steepest in the country.

The subsidy decides almost everything

About 74 percent of Alaska's 2026 enrollees were eligible for a tax credit, and for those people the average credit was about $947 a month, leaving an average net premium near $114. For someone who qualifies, a large rate increase can barely change what they pay. For someone who does not, it lands in full.

The expiration already showed up in the numbers. More than 3,000 Alaskans dropped coverage in early 2026 according to preliminary data, and enrollment fell to 26,079 sign ups for 2026.

Check Medicaid and tribal protections first

Alaska expanded Medicaid on September 1, 2015, so adults under 65 with household income up to 138 percent of the poverty level can qualify. If that is you, Medicaid is likely the better answer, and I will say so.

Alaska Natives and American Indians have their own rules on HealthCare.gov. Members of federally recognized tribes and ANCSA shareholders can enroll at any time of year and change plans up to once a month, and those with income between 100 and 300 percent of the poverty level can get a plan with no deductibles, copays or coinsurance. Care from an Indian health care provider carries no out of pocket cost regardless of income.

Open enrollment dates for 2027 coverage in Alaska

Alaska does not run its own exchange. It uses the federal marketplace at HealthCare.gov, so Alaska follows the federal calendar.

• November 1, 2026Open enrollment begins for 2027 coverage
• December 15, 2026Last day to choose a plan that starts January 1, 2027
• January 15, 2027Open enrollment closes

Outside that window you need a qualifying life event, such as losing other coverage, marriage, a new baby, or a move, and most give you 60 days. Seasonal work is common in Alaska, and losing job based coverage when a season ends counts. Members of federally recognized tribes and ANCSA shareholders do not need to wait for open enrollment at all.

Every 2027 change in Alaska, carrier by carrier →

How to choose a health insurance broker in Alaska

Anyone can put "broker" on a website. These are the questions that separate the real ones, and you can ask every one of them in a five minute phone call.

1. Verify the license before anything else

   Ask for the license number and the NPN, then look them up yourself. Alaska agents can be checked through the Alaska Division of Insurance company and licensee search, and every agent in the country is searchable through the NAIC lookup. An agent who hesitates to give you those numbers has told you everything you need to know. Mine are on this page and on my license page.

2. Ask whether they are independent or captive

   A captive agent works for one insurance company and can only sell you that company's plans. An independent broker is appointed with many carriers and compares across them. Neither is dishonest, but only one of them can tell you when a competitor has the better plan for you.

3. Ask what it costs, and be suspicious of any answer other than nothing

   Brokers are paid by the insurance carriers. The premium is identical whether you enroll through a broker, on your own, or directly with the carrier. Nobody should charge you a fee to enroll you in an individual marketplace plan.

4. Ask how many carriers they can actually quote

   "We shop the whole market" is a slogan until someone puts a number on it. Ask which carriers they are appointed with in Alaska, and ask them to show you the comparison rather than describe it.

5. Ask whether they will still be there in March

   Plenty of agents are enthusiastic in December and unreachable in the spring, which is exactly when a claim gets denied or a doctor turns out to be out of network. Ask who you call when something goes wrong. The answer should be a person, not a call center.

6. Read the reviews, and look at the dates

   A handful of genuine reviews spread over time tells you more than a wall of them that all landed in the same week. Mine are on my Google profile and they arrived one at a time, from clients who agreed to write one.

What working with me looks like

You tell me your ZIP code, who needs coverage, and roughly what you expect to earn this year. I check your subsidy eligibility properly, then compare the plans you qualify for side by side, with the real monthly cost after any subsidy is applied. You pick. I handle the enrollment paperwork, and I stay your point of contact afterward for claims questions, renewals, and life changes.

Most first conversations take about ten minutes. There is no cost and no obligation, and I am not going to pressure you into a plan, because a client who was pushed into the wrong coverage is a client who leaves.

Where I work in Alaska

Statewide. Most of my work happens over the phone or a video call, so where you are in Alaska changes nothing about the process.

• Anchorage
• Fairbanks
• Juneau
• Wasilla
• Eagle River
• Sitka
• Ketchikan
• Kenai
• Soldotna
• Palmer
• Kodiak
• Bethel
• Homer
• Valdez
• Nome
• Utqiagvik
• Kotzebue
• Seward
• Dillingham

I am also licensed in every other state, so if you are moving or splitting time between two states, that usually is not a problem either.

Who I help most in Alaska

According to the U.S. Census Bureau, 11.0 percent of people in Alaska had no health insurance in 2024, above the national rate of 8.2 percent.

Individuals and families buying their own coverage, self employed people and 1099 contractors, commercial fishermen and seasonal workers whose income swings from year to year, small business owners, people who just lost employer coverage, and early retirees bridging the gap to Medicare.