Silver health insurance plans in Alaska (2026)
There are 4 Silver plans on the Alaska Marketplace from 2 insurers, and they are not interchangeable — premiums run from $770 to $816 a month for the same metal tier. Here is what separates them.
In Alaska, Silver costs more than Gold.
The average Silver plan in Alaska runs $791 a month against $708 for Gold — $82 more for a tier that covers a smaller share of your care. That inversion is silver loading: the cost of the extra cost-sharing reductions insurers must build into Silver plans is priced into every Silver premium, including yours if you do not qualify for them.
Only two insurers sell Silver plans in Alaska.
All 4 Silver plans on the Alaska Marketplace come from Moda Health Plan, Inc and Premera Blue Cross Blue Shield of Alaska. 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.
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.
What a Silver plan costs in Alaska in 2026
Across all 4 Silver plans in Alaska, monthly premiums run from $770 to $816, averaging $791. 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.
Silver plan deductibles in Alaska
Silver deductibles in Alaska run from $4,500 to $6,000, with a median of $5,250 across all 4 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 $5,250 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.
Silver out-of-pocket maximums in Alaska
Individual out-of-pocket maximums on Alaska Silver plans run from $7,750 to $8,900, with a median of $8,500. 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.
The cheapest Silver plans in Alaska
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Premera Blue Cross Standard SilverPremera Blue Cross Blue Shield of Alaska | $770 | $6,000 | $8,900 |
| Premera Blue Cross Preferred Silver 4500Premera Blue Cross Blue Shield of Alaska | $785 | $4,500 | $8,100 |
| Moda Select Alaska Standard SilverModa Health Plan, Inc. | $791 | $6,000 | $8,900 |
| Moda Select Alaska Silver 4500Moda Health Plan, Inc. | $816 | $4,500 | $7,750 |
Showing 4 of 4. See all Alaska Silver plans →
Silver plans by insurer
| Insurer | Silver plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Moda Health Plan, Inc. | 2 | $791 | $804 | $4,500–$6,000 |
| Premera Blue Cross Blue Shield of Alaska | 2 | $770 | $778 | $4,500–$6,000 |
How Silver compares to the rest
States with similar Silver premiums
Alaska Silver plans, answered
What are the copays on Alaska Silver plans?
Who is eligible for a Silver plan in Alaska?
What is the deductible on Alaska Silver plans?
Are Silver plans available in my Alaska county?
When can I enroll in a Marketplace plan in Alaska?
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