Alaska Individual Health Insurance Regulations

Learn more about Alaska Individual Health Insurance

Insurance companies offering individual and family health insurance in Alaska may base your eligibility on your health status. An application is required of any person wishing to obtain an individual health plan and this application will contain questions pertaining to your present and past health status and history. Based on this information, the insurance company can deny you coverage, or they may offer you coverage with a rider that excludes coverage for a pre-existing medical condition. This exclusion of benefits for that condition may be for a set period of time, or may be a permanent exclusion that will apply for as long as your policy is in effect. Insurance companies in Alaska may also place an waiting period on pre-existing medical conditions, even if those conditions were not include in a rider and they are not required by state law to give credit toward prior health insurance coverage for these exclusion periods.

Request Alaska Individual Health Insurance Quotes from any of our multiple providers.

Alaska Small Group Health Insurance Regulations

The state of Alaska defines a small group as any company with between 2 and 50 employees. Employers are not required by Alaskan law to offer health insurance coverage to all employees, such as those working part-time or residing outside of the service area of the insurance company. However, if you are an eligible employee, you are guaranteed coverage under the group health plan, regardless of your current health status. Any waiting period for enrollment is determined by the employer and not the insurance company. A group health plan may exclude benefits for pre-existing medical conditions for which you received treatment or had symptoms in the six months prior to enrolling in the group plan. Certain types of prior health insurance coverage may provide creditable coverage toward any pre-existing medical condition exclusion.

Small business owners can request quotes for Alaska group health insurance from any of our listed providers.

COBRA and Continuation Coverage

Alaska follows federal COBRA regulation that apply only to employers with 20 or more employees. An employee electing their COBRA option may stay on the plan for 18 months. Under certain circumstances, eligible dependents may remain on the plan for 36 months and disabled persons for 29 months. Since Alaska COBRA is a continuation of your previous group health plan, your COBRA will end if that group plan terminates coverage and stops providing health insurance to their employees. The Alaska Comprehensive Health Insurance Association (ACHIA) provides continuation of coverage for persons that have accepted and exhausted their COBRA option.