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Alaska · 2026 plan year

Gold health insurance plans in Alaska

There are 5 Gold plans on the Alaska Marketplace from 2 insurers, and they are not interchangeable — premiums run from $690 to $718 a month for the same metal tier. Here is what separates them.

5
Gold plans
2
Insurers
13
Counties covered
$690
Cheapest premium
$1,700
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Only two insurers sell Gold plans in Alaska.

All 5 Gold plans on the Alaska Marketplace come from Premera Blue Cross Blue Shield of Alaska and Moda Health Plan, Inc. With the whole tier split between two carriers, the network question comes first: confirm which of the two covers your providers, then compare plan designs inside that one.

Alaska has one of the smallest Gold markets in the country.

There are just 5 Gold plans here from 2 insurers, against an average of about 41 per state. Fewer options makes the comparison quicker, but it also means a single plan's network or drug list can decide the whole decision.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Gold plans in Alaska

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Premera Blue Cross Standard GoldPremera Blue Cross Blue Shield of Alaska$690$2,000$8,200
Moda Select Alaska Standard GoldModa Health Plan, Inc.$706$2,000$8,200
Premera Blue Cross Alaska One GoldPremera Blue Cross Blue Shield of Alaska$713$1,500$6,300
Premera Blue Cross Preferred Gold 1500Premera Blue Cross Blue Shield of Alaska$714$1,500$6,300
Moda Select Alaska Gold 1500Moda Health Plan, Inc.$718$1,500$6,000

Showing 5 of 5. See all Alaska Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Premera Blue Cross Blue Shield of Alaska3$690$706
Moda Health Plan, Inc.2$706$712
Other tiers in Alaska

How Gold compares to the rest

Bronze
Avg $540 · from $507
6 plans
Silver
Avg $791 · from $770
4 plans
Gold
Avg $708 · from $690
5 plans · you are here

All AlaskaMarketplace plans →

Nearby on price

States with similar Gold premiums

Mississippi
Avg $703
14 Gold plans
Wyoming
Avg $807
7 Gold plans
Common questions

Alaska Gold plans, answered

What are the copays on a Alaska Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 5 Gold plans in Alaska, deductibles average $1,700 and the out-of-pocket maximum averages $7,000. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Alaska?
Any Alaska Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,700 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Alaska Gold plan?
The average across all 5 Gold plans in Alaska is $1,700, with an average out-of-pocket maximum of $7,000. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Alaska county?
Gold plans are sold in 13 Alaska counties, from 2 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Alaska Marketplace plan?
Alaska uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Alaska start at $690 a month before any subsidy.

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