Cheap Health Insurance in Alaska

Cheap health insurance in Alaska is a necessity given the state’s position (35th) in the list of the healthiest states in the country. The state of Alaska allows limited guarantee to access health insurance, making coverage obtainable for all its residents. The state guarantees that an insurance holder will be allowed to renew his or her policy and will not be denied coverage, provided the policyholder has not defaulted on his or her premiums.

The providers are allowed to design their policies. Therefore, to obtain a cheap health insurance in Alaska from private providers, individuals have to compare and read policy statements to make the most affordable purchase. The pre-existing conditions can include any medical advice, treatment or diagnosis care. Some providers offer elimination riders on certain pre-existing conditions. The premiums are decided based on the applicant’s health status.

Sources for Cheap Health Insurance in Alaska

Other than the union plans or employer-sponsored plans, one can obtain health insurance through three options,

  • Private Providers
  • High Risk Pool
  • Income Eligibility Program

Risk Pool

Uninsurable Alaskan residents can qualify for the risk pool under CHIA. Only those who have been the residents of Alaska for a minimum of 12 months, held coverage continuously for the previous six months and been denied insurance by other providers, even Medicaid can apply for this. The premium for this coverage ranges between $425 and $1,806 monthly.

Denali Kid

Children 18 or under, coming from non-working and working families (Alaskan residents) with income ranging 151-175% of the Federal Poverty Level and with no other coverage can qualify for this.

In today’s world of uncertainties, some form of insurance is necessary to protect ourselves from the financial burden, which would be overbearing in times of a crisis. If any of the above options to get cheap health insurance in Alaska (including Medicaid) is still not affordable, then there is the option of Chronic and Acute Medical Assistance. It covers people of age between 21 and 65 for any specific illness.

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