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  2020 Individual Health Insurance Plan Information

2020 Individual Health Insurance Plan Information

What You Need to Know about 2020 Individual Health Insurance Plans Available in Alaska

Moda Assurance and Premera Blue Cross Blue Shield of Alaska will be the Affordable Care Act (ACA)-compliant individual health insurers in Alaska for 2020. Premera will be offering coverage statewide. Moda Assurance will be issuing coverage to residents of Municipality of Anchorage, Matanuska-Susitna Borough, and Kenai Peninsula Borough. Be sure to review your plan to identify the areas where network coverage is available.

Open enrollment for the individual health market begins on November 1, 2019 and runs until December 15, 2019. You can enroll at the Federally Facilitated Marketplace online at Healthcare.gov or by calling 1-800-318-2596. If you do not select an individual market plan during the open enrollment period, you will not be able to obtain an individual market plan during 2020 unless you qualify for a special enrollment period because you experience a qualifying event (e.g. marriage, birth of child).

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 2019 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.

Alaskans who obtained coverage in 2019 through Healthcare.gov should update their account information during the open enrollment period. Once account information—including expected income for 2020—has been updated, shop for a plan that meets your budget and healthcare needs.

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, significant income sources such as 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 a new insurance company offering individual market health plans in Alaska in 2020. 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 and Kenai Peninsula Boroughs will provide a significant portion of the Alaska individual insurance market with two insurance options.

If you have any questions, please call the Division of Insurance at 907-269-7900.

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