Prices You Can Afford.
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health insurance companies. Find your state providers.
Individual & Family Health Insurance
These plans offer a wide range of feature-rich benefits like low-deductibles and affordable co-pays on doctor visits for you and your family. Read More
Democratizing Health Insurance
We see a world where everyone has health insurance. If you don't have health insurance through your work, trying to get it stinks. We're here to change that. InsureMonkey is the easiest way to quote, compare and apply online for health insurance. Anytime. From anywhere.
Welcome to InsureMonkey.
Honestly, isn't this one of the easiest sites you've ever used? You can shop for health insurance benefits in three easy steps:
Get quotes. Compare plans. Apply online. Yes, getting health insurance is really that simple.
However, finding the right plan is an intensely personal thing and we want you to know we're here to help. If you have
questions, need personal assistance, or just want to visit while filling out your application, you can contact one of our
professionally licensed insurance advisors for insights, answers and unbiased advice. Or you can search our community-powered
InsureMonkey University for the answers you need.
Pass It On!
If you find this site helpful, we ask that you Pass It On! Make sure everyone you know can get affordable health insurance. Please tell your friends now!
Top 5 Health Insurance Myths
- Myth: Individual health insurance benefits are not as good as employer benefits. Truth: Hogwash. Individual health insurance is often more benefit-rich than employer-based plans.
- Myth: It's a good idea to add my family to my company's plan and pay the cost of their benefits. Truth: For healthy families, buying individual health insurance for your dependents, instead of adding them to your company plan, can save you up to 75% or more per month for the same benefits.
- Myth: If I'm laid-off, COBRA is my best option. Truth: Before you sign, shop an individual health plan with the same benefits and don't be surprised to save hundreds of dollars per month.
- Myth: My company buys health insurance cheaper than I ever could. Truth: Your employer pays for all healthy and unhealthy employees. With individual health insurance, you pay for only what you need.
- Myth: I'm healthy, so I don't need health insurance. Truth: We all need health insurance. At some point in our lives, we will all have an accident, get injured, or get sick. And at that point, we need insurance. Problem is we can't plan for these things and playing the odds is not in our favor.
Did You Know?
Most of today's self-employed entrepreneurs are covered with individual health insurance plans. Why? Because they get the benefits they need at a fraction of the cost. And we all like to save money!
Individual and Family Insurance Rates
Alaska Individual and Family Health Insurance
Find Alaska health insurance plans in the following metropolitan areas: Anchorage, Fairbanks, Juneau, Knik-Fairview, Lakes, Wasilla and other locations.
Alaska Health Insurance 101
In the state of Alaska, there are 652,000 residents. Presently, the average household annual income is approximately $60,124. Many Alaskans obtain their individual and family health insurance from employers, who either have a large or small business health insurance plan. However, out of this figure, 24,822 of Alaskans opt to buy affordable health insurance for themselves and their families on the individual market.
In 2004, the standard monthly cost for a customary co-pay policy on the individual market was $192 for individual health insurance plans and $695 for family health insurance plans. Alternately, the normal monthly cost of the same type of policy on the group market, or through employer health insurance, was $726 for individuals and $2,928 for families.
Many people don’t realize that the prices for Alaska health insurance are lower on the individual market than they are on the group market.
Right now, no more than 40% of private sector employers offer an employer health insurance plan and only 25% of employers with 50 or less employees offer an Alaska small business health insurance plan. It should not surprise anyone that, as a result, more people are finding Alaska health insurance on their own. Anyone who is seeking individual health insurance should let InsureMonkey help as a proud health insurance agent.
Alaska Health Insurance Providers
Alaska’s High Risk Pool
State legislatures have developed a term for a group of people with serious and ongoing medical conditions who can’t get Alaska health insurance on the individual market: high risk pool. For people who fall into this category, the state sets up a “pool” and helps the people in this group by offsetting the high cost of coverage with a subsidy. Currently, about 2,687 Alaskans are enrolled in the high risk pool.
Participants in Alaska’s pool pay roughly $994 per month for individual health insurance and the state pays the rest.
If you or someone you know has been denied coverage and wish to join the high-risk pool, please contact Alaska Comprehensive Health Insurance Association (http://www.achia.com) at (888) 290-0616.
Alaska’s Uninsured
At the moment, there are 114,982 Alaskans who do not have health insurance coverage. For some people, it is because their employers don’t offer large or small business health insurance. For other people, they don’t have health insurance because they are entrepreneurs and do not believe they can afford self employed health insurance. Still others are between jobs or out of work. Whatever your circumstances may be, InsureMonkey can help as your health insurance agent.
Alaska SCHIP
The state/federal program, SCHIP, disburses fund for the health insurance premiums for uninsured children of low-income parents. The requirements parents must meet are:
• The family/household income must be between 100% and 200% of the poverty rate.
• The family must earn between $17,170 and $34,340.
In Alaska, around 54,000 underprivileged children are aided by the SCHIP program.
For more information, please contact Denali Kid Care at (888) 318-8890 or click http://hss.state.ak.us/dhcs/DenaliKidCare/default.htm.
Medicaid in Alaska
The Medicaid program is also a joint state and federal plan. It helps provide health insurance for low-income families, pregnant women, children, disabled individuals, the elderly and nursing home residents.
The income eligibility guidelines for Medicaid in Alaska are:
• Children
o Infants Ages 0-1: $38,500 or 175% of the Federal Poverty Level
o Children Ages 1-5: $38,500 or 175% of the Federal Poverty Level
o Children Ages 6-19: $38,500 or 175% of the Federal Poverty Level
• Parents
o Non-Working: $17,568 or 80% of the Federal Poverty Level
o Working: $18,648 or 85% of the Federal Poverty Level
• Pregnant Women
o $38,500 or 175% of the Federal Poverty Level
For more information, please contact the State of Alaska Department of Health and Social Services: Public Assistance at (907) 465-3537 or click http://hss.state.ak.us/dpa/programs/apa/.
(Facts throughout this page provided by the Kaiser Family Foundation at www.statehealthfacts.org and by The New Health Insurance Solution at www.tnhis.com. Commentary provided by InsureMonkey.)
State Resources
State of Alaska
Website: http://www.state.ak.us
Executive Office
Governor: Sarah H. Palin (R) /(907) 465-3500
Head of Health Department: Bill Hogan, Acting Commissioner, Department of Health and Human Services (907) 465-3030
Congressional Delegation
Sen. Mark Begich (D) (202) 224-3004
Sen. Lisa Murkowski (R) (907) 456-0233
Medicaid
Medicaid Website: http://www.hss.state.ak.us/dhcs
Medicaid Director: Mr. Jerry Fuller, Medicaid Director, Department of Health Social Services (907) 465-3537
Department of Insurance Website: http://www.dced.state.ak.us/insurance