Most people are required to buy health insurance or pay a fee, although there are some exemptions. You can get health insurance that meets this requirement through either an employer/group plan or an individual plan.
Most large employers and some small employers offer health plans for employees and their families. Other groups such as fraternal organizations, chambers of commerce, or professional organizations may offer group-sponsored plans as well.
Large employers (organizations with 50 or more employees) are required to offer affordable insurance to their employees and their dependent children. A plan is considered unaffordable if the employee’s share is more than 9.55 percent of their household income or if the plan pays for less than 60 percent of covered health care expenses.
If you are losing your insurance coverage because you are leaving your job, you may want to consider continuation coverage through COBRA.
If you don't have insurance through your job, you can get an individual or family plan.
At Healthcare.gov, you can
If you need local assistance, you can
If you don't qualify for income-based subsidies (assistance with paying your premium and out-of-pocket costs), you can also purchase a plan directly from an insurer.
Or you can learn about options and plans, get insurance advice, and purchase health insurance through an agent or broker. Agents and brokers may sell plans from both inside and outside the Healthcare.gov marketplace.
Keep in mind that the compensation agents and brokers receive from one insurance company or for one plan, compared to another company or plan, may influence them to promote certain plans over others.
You may qualify for one of the programs below depending on your income and circumstances.
You may qualify for Medicaid if you meet the income requirements.
Even if you don't qualify for Medicaid, your child may qualify for Denali KidCare.
Medicare is the health insurance program for people age 65 or older. You also may qualify for medicare if you:
Find out more about Medicare options at Medicare.gov.
Apply for Medicare and Disability Benefits through the Social Security Administration (SSA).
To get free personalized counseling on general or specific Medicare questions, call Alaska’s Medicare Information Office at 1-800-478-6065 or in Anchorage at (907) 269-3680.
Medicare Supplement Insurance or Medigap Information
Alaska Native and American Indian people have special protections and benefits under the Affordable Care Act (ACA). Alaska Natives can apply for an exemption from the requirement to have insurance.
Even if you don’t buy insurance, you and your family can still get health care services at your Tribal health facility.
Alaska Natives who choose to purchase health care coverage can receive special benefits.
For instance, a family of four with income up to $89,460 who purchases coverage at healthcare.gov won’t have to pay out-of-pocket costs like deductibles, co-payments, and coinsurance, even if you don’t get your care at a Tribal health facility.
If you get a plan, you may also have access to services that the Indian Health Service, tribal programs, or urban Indian programs (known as I/T/Us) may not provide.
Find out more through the Alaska Native Tribal Health Consortium and Healthcare.gov info for Alaska Natives.
Learn about and apply for health benefits for veterans and eligible family members through the Veterans Health Administration.
Learn about and apply for health benefits for military and eligible family members through TRICARE.