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Division of Insurance

Regulating the insurance industry to protect Alaskan consumers

Meet the Director

Lori Wing-Heier
Division Director

Lori Wing-Heier was appointed Director of the Division of Insurance in February 2014. Director Wing-Heier has approximately 30 years of experience in the insurance industry, including as a broker and agent.

She most recently served as Director of Risk Management at a large Alaska Native Claims Settlement Act (ANCSA) corporation where she designed and implemented a comprehensive enterprise-wide risk management program.

She also served as senior vice-president at a national brokerage, working with Alaskan entities throughout the state, and as president of the Alaska Independent Insurance Agents and Brokers, Inc.


  2023 Open Enrollment: Individual Health Insurance Plans

What You Need to Know about 2023 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 2023. Premera offers coverage statewide. Moda Assurance offers coverage to residents of Municipality of Anchorage, Matanuska-Susitna Borough, Kenai Peninsula Borough, Fairbanks Northstar Borough and Southeast Alaska. 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, 2022 to January 15, 2023. The open enrollment period goes until January 15, 2023; however, if you don’t enroll by December 15, 2022 you will not have coverage for January 2023. You must enroll by December 15, 2022 for January 2023 coverage.

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 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 United Way of Anchorage will serve as Alaska’s 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:

Enhanced Premium tax credits and increased income limits have been renewed through 2025 under the federal Inflation Reduction Act.

The federal government has fixed the family glitch. The previous rule allowed people to qualify for Marketplace tax credits if their employer-based coverage exceeded 9.6% of the household income for self-only coverage. The new rule allows families to access subsidies if the cost of employer-based family coverage exceeds 9.12% of their household income.

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 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 2023. No, Moda Assurance is not the same as Moda Health, 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 Borough, Kenai Peninsula Borough, Fairbanks Northstar Borough, and Southeast Alaska 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:
  4. When does open enrollment begin for 2023?
    November 1, 2022. If you have any questions or require additional resources, please call Consumer Services at the Division of Insurance at 907-269-7900.
  5. Why are some plans only available on the Marketplace?
    Insurers can make a business to decision to offer plans on and/or off the Marketplace. Any plan that is available on the Marketplace may also be purchased directly from the insurer when a consumer requests it. Please contact your preferred insurer if you would like to purchase a plan off-exchange that you have viewed on-exchange.
  Disaster Preparedness and Your Insurance

If you experience a insurance related claims-handling issue after a disaster, you are welcome to contact Consumer Services at the Alaska Division of Insurance 907-269-7900 with your concerns. Consumers can file complaint regarding their encountered issue on this website. For more information about filing a complaint, select this link.

  Earthquake Resources

  Landslide Resources

  • Is home and business insurance coverage for landslides the same as for mudflow or earthquake?
    No. A landslide is considered an “earth movement” event so, like an earthquake, it is excluded from standard homeowners and business insurance policies. However, you can buy what’s commonly known as a “Difference in Conditions” policy (which typically offers all-in-one coverage for landslides, mudflows, earthquakes, and floods). Difference in Conditions policies are sold by surplus lines insurers; your insurance professional can help you find a surplus lines insurer that will meet your needs.
  • Will an earthquake insurance policy cover my home or business for landslides as well?
    No. Like landslides, earthquakes do involve earth movement, however in general a separate earthquake policy is needed for quake-caused property damage as the causes of the movement are different. Landslides are caused by erosion or water accumulation that destabilizes the land, while earthquakes are caused by seismic activity. Earthquake insurance is available from private insurance carriers for renters, homeowners and business owners.
  • Does my auto insurance policy provide coverage for mudflow and landslides?
    Check with your insurer to determine if you purchased optional comprehensive coverage with your auto insurance policy.

Landslide Resources:

  Fire/Wildfire Resources   Flood and Mudslide Resources   Windstorm Resources

  • B22-07
    Recent Changes to 3 AAC 23.208(9), 3 AAC 26.770, 3 AAC 26.775, 3 AAC 26.778, for Continuing Education Requirements and Disclosures for Annuity Transactions
  • Public Notices
    Notices of Proposed Changes on Reciprocal Jurisdictions in the Regulations of the Division of Insurance


Learn about your insurance rights and how to file a complaint. Explore rates and coverage options for your auto, health, home, and life insurance. Use other consumer tools to enroll in health care, research a company or agent, take a home inventory, and more!


Get licensed or renew your license. Verify your compliance and continuing education requirements. Print and search licenses, add lines of authority, and other online tools.


Search for companies and admissions. File amendments, annual filings, and taxes.

Surplus Lines

List of eligible surplus lines insurers and placement lists, applications and eligibility continuation instructions.


Public records requests, insurance law, bulletins and notices, hearing and regulatory orders, financial and market conduct examinations, surplus lines tax audits, annual reports, and more.
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About Us

Learn about the division's licensing, compliance and oversight functions, meet Director Lori Wing-Heier, seek assistance from our Consumer Services section, report potentially fraudulent and/or deceptive activity to our Investigations section, and contact our staff.