Alaska
Cheapest ACA plans in Fairbanks, Alaska for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Fairbanks is in Fairbanks North Star County, Alaska. 2 carriers sell 2026 ACA plans on Healthcare.gov for residents of Fairbanks North Star County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $680/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Fairbanks North Star County, including Fairbanks.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Fairbanks (Fairbanks North Star County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Fairbanks North Star County |
|---|---|---|
| Expanded Bronze | $680 | 6 |
| Gold | $928 | 5 |
| Silver | $1,035 | 4 |
The actual cheapest Bronze plan in Fairbanks
Moda Health Plan, Inc. Moda Select Alaska Standard Bronze
$680/moFor a family of four (two 40-year-olds and two kids under 14): Moda Health Plan, Inc. Moda Select Alaska Standard Bronze at $2,176/month before subsidies.
Carriers selling 2026 plans in Fairbanks
2 carriers sell 2026 plans on Healthcare.gov for Fairbanks North Star County residents. 16 plans total in Fairbanks North Star County.
| Carrier | On-exchange plans |
|---|---|
| Premera BlueCross BlueShield of Alaska | 8 |
| Moda Health | 7 |
What you'll actually pay in Fairbanks
Estimated monthly net premium for the cheapest Bronze plan above ($680/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Fairbanks North Star Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 128% | — | Medicaid likely |
| $40,000 | 205% | $831/mo | $0/mo |
| $60,000 | 307% | $558/mo | $122/mo |
| $100,000 | 512% | — | $680/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 100% | — | Medicaid likely |
| $80,000 | 199% | $2,939/mo | $0/mo |
| $130,000 | 323% | $2,297/mo | $0/mo |
| $200,000 | 498% | — | $2,176/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Fairbanks, Alaska for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Moda Health Plan, Inc. Moda Select Alaska Standard Bronze at $680 per month before subsidies. Plans sell through Healthcare.gov. Fairbanks is in Fairbanks North Star County, Alaska; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Fairbanks's 2026 ACA pricing compare to other Alaska cities?
Cheapest Bronze for a 40-year-old in Fairbanks is $680 per month before subsidies. For comparison: Anchorage at $648/mo; Jber at $648/mo; Juneau at $663/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Why are Alaska premiums so high?
Alaska has the highest individual-market premiums in the country driven by a small risk pool, very high provider costs (partly from limited in-state specialty care and medical evacuation needs), and geographic challenges. The Alaska Reinsurance Program §1332 waiver moderates these premiums by paying claims for 33 high-cost condition categories, but even with reinsurance Alaska routinely posts the nation's top benchmark premium.
Did Alaska expand Medicaid?
Yes. Alaska expanded Medicaid in September 2015 under Gov. Bill Walker. Adults 19-64 with income up to 138% of the (higher) Alaska FPL table qualify regardless of parental status or disability, so there is no coverage gap in Alaska.
What is the Alaska Reinsurance Program?
It's a state reinsurance program run by the Alaska Comprehensive Health Insurance Association (ACHIA) under AS 21.55, approved by CMS as a §1332 waiver. It pays claims for 33 high-cost condition categories, which pulls individual-market premiums down before subsidies are applied. You don't apply for it; savings show up in the premiums posted on Healthcare.gov.
More Alaska pricing
- Statewide Alaska pricing and metal tiers
- Anchorage pricingcheapest Bronze $648/mo
- Jber pricingcheapest Bronze $648/mo
- Juneau pricingcheapest Bronze $663/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Alaska Division of Insurance: Health Insurance for rate review, carrier filings, and reinsurance administration.
- Alaska Comprehensive Health Insurance Association (ACHIA) for the §1332 reinsurance program operator.
- CMS §1332 Alaska Reinsurance Program Fact Sheet for federal approval and program terms.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.