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Alaska · 2026 plan year

Gold health insurance plans in Alaska (2026)

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
$1,500
Median 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 40 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.

Cost

What a Gold plan costs in Alaska in 2026

Across all 5 Gold plans in Alaska, monthly premiums run from $690 to $718, averaging $708. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Alaska enrollees, often to a fraction of the sticker price.

Deductibles

Gold plan deductibles in Alaska

Gold deductibles in Alaska run from $1,500 to $2,000, with a median of $1,500 across all 5 plans — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,700 because the spread is not symmetric. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Gold out-of-pocket maximums in Alaska

Individual out-of-pocket maximums on Alaska Gold plans run from $6,000 to $8,200, with a median of $6,300. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

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 averageDeductible range
Premera Blue Cross Blue Shield of Alaska3$690$706$1,500–$2,000
Moda Health Plan, Inc.2$706$712$1,500–$2,000
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 Alaska Gold plans?
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. What the tier does bound is the rest of the cost-sharing: across the 5 Gold plans in Alaska, out-of-pocket maximums run $6,000 to $8,200, and deductibles on all 5 plans run $1,500 to $2,000. 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 — a median of $1,500 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 Alaska Gold plans?
Gold deductibles in Alaska run from $1,500 to $2,000 across all 5 plans, with a median of $1,500 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $6,000 to $8,200. The spread inside a single 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 Marketplace plan in Alaska?
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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