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Health Insurance


  2022 Individual Health Insurance Plan Information

What You Need to Know about 2022 Individual Health Insurance Plans Available in Alaska.

Moda Assurance and Premera Blue Cross Blue Shield of Alaska are the Affordable Care Act (ACA)-compliant individual health insurers in Alaska for 2022. Premera offers coverage statewide. Moda Assurance offers coverage to residents of Municipality of Anchorage, Fairbanks North Star, Haines, Ketchikan Gateway, Kenai Peninsula, Mat-Su, Petersburg and Municipality of Skagway Boroughs, City and Borough of Juneau, City and Borough of Sitka, City and Borough of Wrangell, Hoonah-Angoon Census Area and Prince of Wales-Hyder Census Area. Be sure to review your plan to identify the areas where network coverage is available.

Open enrollment for the individual health market runs from November 1, 2021 to January 15, 2022. Enroll by December 15, 2021 for coverage that starts January 1, 2022.

Those looking for individual health insurance outside the open enrollment period can seek a special enrollment period (SEP) if you have experienced a qualifying event (e.g. loss of a job, marriage or the birth of a child). You can apply for the SEP through the Marketplace.

For more information you can contact the Federally Facilitated Marketplace online at Healthcare.gov or by calling 1-800-318-2596. Insurance plans can be obtained directly from the insurance companies or through an agent, broker, navigator, who can be identified online at Localhelp.Healthcare.gov. United Way of Anchorage will serve as Alaska’s 2021 health insurance navigator for helping Alaskans understand their health insurance options. They can be contacted by phone at 2-1-1 or 1-800-478-2221 or online at: liveunitedanc.org/improving-lives/what-we-care-about/healthy-kids-and-adults

Premium tax credits and income limits have been increased for 2021 and 2022 under the federal American Rescue Plan. If you previously did not qualify for premium tax credits, you may now qualify for them. All Alaskans are encouraged to shop this year to consider their best options for coverage.

Due to the seasonality of work in Alaska, consumers with advance premium tax credits should carefully consider and disclose what they expect their annual income to be, not just their current monthly income. In addition, income sources such as unemployment compensation, the sale of a business or other investments may impact your income. If consumers have a change in income during the year, they should update their account at healthcare.gov to ensure that their premium tax credit is correctly applied to their insurance. Consumers who underestimate their income may have significant tax consequences and be required to repay some or all of their advanced premium tax credit.

Frequently Asked Questions:

  1. Who is Moda Assurance? Are they the same as Moda Health?
    Moda Assurance is an insurance company offering individual market health plans in Alaska in 2022. No, but they are part of the Moda family of companies.
  2. Why is Moda not offering coverage on a statewide basis?
    Moda has made a business decision provide coverage in these areas only. Offering coverage to the Municipality of Anchorage, Matanuska-Susitna, Kenai Peninsula Boroughs, Fairbanks will provide a majority of the Alaska individual insurance market with two insurance options.
  3. Where can I learn more about special enrollment periods (SEP)?
    You can call 1-800-318-2596 or visit Healthcare.Gov, the following link provides information specific to SEP: healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period
  4. When does open enrollment begin for 2022?
    November 1, 2021. If you have any questions or require additional resources, please call Consumer Services at the Division of Insurance at 907-269-7900.

What you need to know about Premera’s decision to discontinue Grandfathered and Grandmothered plans in 2022:

  • The Division is aware of Premera’s plan to discontinue grandfathered/grandmothered plans for 2022, and they are permitted to do so.
  • The enrollment in the plans has dropped to a level that it was not cost effective to continue administration of the plans.
  • The ACA compliant plans available contain additional benefits (e.g. mental health services, maternity care, more robust prescription drug benefits, access to specialty services) and no lifetime annual limits which is part of why they are more expensive.
  • For 2022 there are expanded premium tax credits and increased income limits for eligibility for the tax credits. If you previously were not eligible for a tax credit you may be eligible for one in 2022.
  • Importantly, Premera recommended only one plan for all consumers transitioning off of the grandfathered/grandmothered plans. Consumers will want to shop all of the plans in the market to ensure that they are getting a plan that meets their needs.
  • Most consumers are seeing a rate decrease or modest increase in rates in this transition. It is unfortunate for those consumers who are seeing significant increases. If shopping assistance is needed please reach out to 211 or United Way of Anchorage or a local agent.
  Do You Need Comprehensive Health Coverage During the Pandemic?

Do You Need Comprehensive Health Coverage During the Pandemic? You Have Options

Since the COVID-19 pandemic began, a record-breaking number of people lost their jobs and their health insurance plans. Others want to sign up for health insurance, but they are not sure if it is worth the expense. If you are uninsured, there are several options and ways you might qualify for help with insurance coverage costs.

TOP CONSIDERATIONS

Health insurance covers expenses that are important for staying healthy and treating illness and injuries. It also helps protect you against expensive medical costs. There are many different types of health insurance plans available to you at a variety of different prices. You will want to see if you are eligible for assistance and shop around to see which plan is best for you. Be sure to compare coverage along with costs.

THINGS YOU SHOULD KNOW

When you have health coverage, you usually pay a monthly premium; in return, your health plan pays part of the bill when you need health care. Health insurance usually covers doctors' visits, prescription drugs, and medical and surgical services. There are several routes you can take to obtain health coverage.

Special Enrollment in Your Spouse’s Plan. If you lost coverage recently and you are married, consider requesting enrollment in your spouse’s group health plan. Losing coverage qualifies you (and your family) for an opportunity to enroll in many employer plans, even outside of the plan's annual open enrollment period. To qualify, you must request enrollment, typically within 30 days of losing eligibility for your prior coverage. As a result of the COVID-19 outbreak, this 30-day deadline has been extended, and details about the extension can be found here. You will have to pay any additional premium under the plan for adding people to coverage.

Check your eligibility for Medicaid. If you lost your job or had a reduction in hours, the sudden change in income might make you eligible for Medicaid. Medicaid eligibility is based on monthly income, so you may qualify even if you earned too much to qualify earlier in the year. Children with unemployed parents will likely be eligible for Medicaid or the Children’s Health Insurance Program (CHIP). Visit www.medicaid.gov/medicaid/eligibility/index.html to find out how to determine your eligibility.

Marketplace. In every state, if you are out of a job for any reason and lose your health insurance, you can buy a Marketplace plan. Many people qualify for help in paying premiums with Marketplace plans. Several states opened enrollment in these private plans without the restriction of qualifying life events. Several other life events, like a permanent move or having a baby, can also qualify you for new enrollment in a Marketplace plan. During the application process, you will find out if you qualify for income-based savings on your monthly premiums and out-of-pocket health care costs.

Your family may be eligible for coverage as well. You usually have 60 days to enroll in the Marketplace from the time your employer-sponsored coverage ends. You can apply for a Marketplace plan through Healthcare.gov. Note that some states have their own health insurance Marketplaces, but healthcare.gov can direct you to the right place. When you apply, the Marketplace will also check your eligibility for Medicaid and CHIP.

COBRA. If you lost coverage through a job, you may be eligible for Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) Continuation Coverage. Under COBRA, a federal law, you can pay to stay on your employer’s health insurance plan out of your own pocket after you lose your job, for about 18 months after your employment ends. The deadline for enrollment in COBRA coverage was extended due to the COVID-19 outbreak.

You will have to pay the full premium and an administrative fee. This means you will pay about 102% of the full premium cost. COBRA is typically more expensive than Marketplace coverage. Enrolling in COBRA can change your eligibility for Marketplace help. Therefore, you should check with the Marketplace before making any decisions.

Your dependents may be eligible for COBRA coverage too, whether you sign up yourself or not.

TOP THINGS TO REMEMBER

If your income decreased and you need health insurance, you may qualify for help paying your premium.

Medicaid and CHIP enrollment are always open for those who qualify. You can enroll in Marketplace coverage right away if you lose other coverage; have another qualifying life event; or, in some states, you just need coverage.

With COBRA, you can stay on your employer's health insurance, but you will be responsible for the full cost and an administrative fee.

  No Surprises Act — Ending Surprise Medical Bills   Medicare Supplement (also called Medigap)

Links to the Federal Medicare webpages:

Additional information can be found reviewing the general website at: www.medicare.gov

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