Alaska Health Insurance
Public Health Funding in Alaska is a priority and Alaska is one of the leading states in the Country who give it great consideration. This state has been ticking many of the health care improvement boxes and in the past couple of years many risky health factors have decreased.
Alaska’s Health Insurance Exchange includes many options where individuals and families can buy health insurance plans. Residents without access to employer-sponsored coverage can shop for health care plans in the private marketplace and though the federal marketplace exchange.
Medicaid eligibility was expanded in Alaska under the Affordable Care Act (ACA) but not until September 2015 whereas in most of the states that have expanded coverage, expansion took effect in January 2014. By August 31 2018, enrolment in Alaska’s expanded Medicaid had grown to 444,444 and according to the US Census Bureau the uninsured rate in dropped to from 18.5 percent in 2013 to 13.7 percent in 2017
State Health Care Options in Alaska
The tribal and governmental systems represent a larger portion of both facilities and service providers in Alaska than in other states, with nearly 20% of the population (about 140,000) eligible for services in the tribal system, and 12% percent (about 87,000) are covered by the military system. (In the U.S. the proportions are 2% tribal and 5% military.)
Alaska’s eligibility guidelines for Medicaid were generous for children, pregnant women, young adults (age 19 – 20) and parents, even before Medicaid expansion went into effect. However, non-elderly Alaskan adults without children were not eligible for Medicaid prior to September 1, 2015
Alaska – Finding Health Care
Finding the right Health Insurance can be complex but marketplaces (Health exchanges) such as TrueCoverage have specialist health insurance consultants that will search for the best value plan to meet your needs. Combining technology with market awareness we can supply a choice of plans, in an easily assessible format, quickly. Reach our health insurance experts.
Learn more about the Affordable Care Act, Medicare and Employer Plans here;
Affordable Care Act (ACA) Alaska
The Patient Protection and Affordable Care Act, often shortened to the Affordable Care Act or nicknamed Obamacare, is a United States federal statute enacted by the 111th United States Congress and signed into law by President Barack Obama on March 23, 2010. Together with the Health Care and Education Reconciliation Act of 2010 amendment, it represents the U.S. healthcare system’s most significant regulatory overhaul and expansion of coverage since the passage of Medicare and Medicaid in 1965.
The Affordable Care Act (ACA) was designed to give both individuals and families increased access to affordable health insurance options including medical, dental, vision and other types of health insurance that may not be available either sourced individually or through an employer. Under the ACA;
- You may be able to purchase health care through a state or federal marketplace that offers a choice of plans.
- Insurers cannot refuse coverage based on gender or a pre-existing condition.
- Lifetime and annual limits on coverage are eliminated.
- Young adults can stay on their family’s insurance plan until the age of 26.
- Seniors who hit the Medicare Prescription Drug Plan coverage gap can get discounts on medications.
The rules for ACA are complicated but our experts at TrueCoverage will help you navigate them to identify any subsidy which you may be entitled to.
Medicare is a national health insurance program which launched in 1966 under the Social Security Administration (SSA) and is now administered by the Centre’s for Medicate and Medicaid Services (CMS).
Medicare provides health insurance for Americans aged 65 or older, younger people with some disability status as well as people with end stage renal disease and amyotrophic lateral sclerosis.
In 2018, Medicare provided health insurance for over 59.9 million people. On average, Medicare covers about half of healthcare expenses of those enrolled and according to the annual Medicare Trustees reports and research by the Government’s MedPAC group individuals enrolled in the scheme almost always cover remaining out-of-pocket costs with additional private insurance by joining a public Medicare Health Plan.
Medicare Advantage Plans are Medicare approved plans offered by private insurance companies designed to build on the provisions of the Federal Health Insurance Plan (parts A&B) and allow an individual to tailor an insurance plan to suit their individual needs.
In Alaska, of the subtypes of health insurance coverage, employer-based insurance is the most common covering 45% of the population.
Group Health Insurance offers the same benefits as individual and family plans, usually at lower cost and generally without the need for medical examinations. An Employer can choose to share the premiums with employees and will not pay tax on the business contribution. There may be tax advantages for both employer and employees.
As with individual plans there is a choice of managed care plans which meet the Essential Health Benefits Requirements and can be chosen to satisfy the specific business requirements.
The Best Health Insurance Companies in Alaska
In 2016 NCQA rated more than 1,000 health insurance plans based on clinical quality, membership satisfaction and NCQA Accreditation Survey Results. The following 4 rated the highest in Alaska
- Atena Life Insurance
- Blue Cross and Blue Shield of Alaska
- Moda Health Plan Inc. (Alaska)
- Compass Rose Health Plan
You can learn more about health care coverage and buy Health Insurance in Alaska at TrueCoverage.com or call 1-888-505-1815. We offer free customer service and support around the clock, helping you to understand the complex, ever changing American healthcare system in simple terms and giving you the tools and resources to purchase the right plans at the best price.
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