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Alaska Insurance Guide
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Insurance in Alaska
Find comprehensive insurance information for Alaska (AK) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Pacific region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Alaska (AK) |
| Region | Pacific |
| Population | ~733K residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Alaska Department of Insurance |
Health Insurance in Alaska
Alaska residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Alaska
Alaska has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Alaska
Protect your home with coverage tailored to Alaska’s specific risks and requirements.
Life Insurance in Alaska
Find life insurance options available to Alaska residents to protect your family’s financial future.
How Alaska Compares
Understanding how Alaska stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Alaska | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,398 | $1,935 | -28% (near average) |
| Health Insurance (monthly) | $856 | $477 | +79% (among the highest) |
| Home Insurance (annual) | $1,623 | $2,377 | -32% (near average) |
| Uninsured Rate | 12.1% | 9.5% | +27% (well below average) |
Key Insights
- Health insurance benchmark premiums rank #49 highest. Premium tax credits can significantly reduce costs for eligible residents.
- The uninsured rate is among the highest in the country (#43). Marketplace plans with subsidies can help close this gap.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Alaska Division of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Alaska (opens in new tab) - Federal health insurance marketplace for Alaska
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Alaska address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Alaska Division of Insurance
- Phone
- 907-269-7900
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Alaska?
Alaska requires minimum liability coverage of 50/100/25: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage. These are higher than many other states.
Why is health insurance so expensive in Alaska?
Alaska has some of the highest health insurance premiums in the nation due to its remote location, limited healthcare provider networks, high cost of living, and small population spread across a vast area. Many Alaskans qualify for significant premium tax credits through Healthcare.gov.
Does Alaska have earthquake insurance?
Standard homeowners insurance does not cover earthquake damage. Alaska residents in seismically active areas should consider separate earthquake insurance. Policies are available from private insurers and typically have percentage-based deductibles.
Is studded tire damage covered by auto insurance in Alaska?
Damage to your own vehicle from studded tires is generally not covered. However, if your vehicle is damaged by road hazards exacerbated by studded tire use, comprehensive coverage may apply depending on circumstances.
How do I find affordable health coverage in Alaska?
Compare plans on Healthcare.gov during open enrollment. Alaska’s high premiums mean many residents qualify for substantial tax credits. Also check Medicaid eligibility, as Alaska expanded Medicaid coverage. Some employers offer group coverage even for part-time workers.
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[alaska] Insurance Types
Compare insurance options available to [alaska] residents. Requirements and costs vary - learn what coverage you need.
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