Best Medicare Supplement Plans in Alaska 2026
Alaska is one of the only states with no Medicare Advantage plans, making Medigap the essential coverage path for all Alaska seniors. Plan G starts at $137/mo in Anchorage and averages $234/mo statewide. We compared 15+ carriers to find the best coverage in the Last Frontier.
Alaska Has No Medicare Advantage Plans: Medigap Is Your Primary Option
Alaska is one of the only states in the country where Medicare Advantage (Part C) plans are not available. This means Original Medicare plus a Medigap supplement is the standard coverage path for all Alaska seniors. If you are moving to Alaska from another state, you cannot keep a Medicare Advantage plan. Choosing the right Medigap plan is especially important here.
Alaska is unique among all 50 states: Medicare Advantage plans are not available here. That means Original Medicare plus a Medigap supplement is the primary way for Alaska seniors to manage their healthcare costs. With over 75,000+ Alaskans enrolled in Medigap, the market is smaller than most states, but the coverage options are solid.
Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). State Farm offers the lowest Plan G in Alaska at $137/mo in Anchorage, with an A++ AM Best rating. Premera Blue Cross Blue Shield of Alaska is the dominant local carrier at $197/mo, with strong provider relationships and a $5/mo discount for automatic payment enrollment.
Alaska does not have a birthday rule, so your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B is your most important enrollment opportunity. After that window closes, carriers can use medical underwriting to deny your application or charge higher premiums. Compare carefully before you enroll.
Compare the Best Medicare Supplement Plans in Alaska
Our top-rated Medigap carriers in Alaska, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Anchorage. Rates in Fairbanks, Juneau, and rural Alaska may vary.
State Farm
Plan G
$137/mo
Plan N
$106/mo
AM Best
A++
State Farm offers the lowest Plan G premium in Alaska at $137/mo and the lowest Plan N at $106/mo for a 65-year-old in Anchorage. With an A++ AM Best rating, a large local agent network, and strong claims-paying history, State Farm is the top overall pick for most Alaska seniors.
USAA
Plan G
$144/mo
Plan N
N/A/mo
AM Best
A++
USAA offers the second-lowest Plan G in Alaska at $144/mo with an A++ AM Best rating. Available only to military members, veterans, and their eligible family members. If you qualify, USAA is the best value for Plan A ($90/mo) and Plan F ($193/mo) in Alaska.
Premera Blue Cross Blue Shield of Alaska
Plan G
$197/mo
Plan N
$216/mo
AM Best
A
Premera BCBS of Alaska is the dominant local carrier and the most recognized name in Alaska health insurance. Their 2026 Plan G rate of $197/mo is set statewide by the Alaska DOI. Premera offers a $5/mo discount for members who enroll in Automatic Funds Transfer (AFT). Strong local claims support and provider relationships make Premera a top choice for Alaska seniors who value local service.
Moda Health
Plan G
$183/mo
Plan N
N/A/mo
AM Best
A-
Moda Health is a regional carrier serving Alaska and Oregon with a strong local presence. Their High-Deductible Plan G starts at just $51/mo for a 65-year-old female nonsmoker, making it the best HDG option in Alaska. Standard Plan G runs $183/mo. Moda is a solid choice for healthy Alaska seniors who want to minimize monthly premiums.
Transamerica
Plan G
$203/mo
Plan N
$163/mo
AM Best
A
Transamerica offers the lowest Plan K ($73/mo) and Plan L ($108/mo) in Alaska, making them the best choice for Alaska seniors who want cost-sharing plans with lower monthly premiums. They offer all 10 standard plan types. Plan G at $203/mo is above average but their K and L plans are unmatched in Alaska.
Medicare Supplement Prices in Alaska
Sample monthly premiums from top carriers in Anchorage for a 65-year-old female nonsmoker. Most Alaska carriers use statewide flat rates rather than ZIP-code-based pricing. Rates effective April 2026.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| State Farm | $137 | $106 | N/A |
| USAA* | $144 | N/A | $193 |
| Moda Health | $183 | N/A | N/A |
| Premera BCBS of Alaska | $197 | $216 | $292 |
| Humana | $183 | $148 | $220 |
| AARP / UnitedHealthcare | $140 | $125 | $210 |
| Transamerica | $203 | $163 | $240 |
| Cigna | $195 | $155 | $230 |
*USAA is only available to military members, veterans, and eligible family members. Premera BCBS of Alaska rates are set statewide by the Alaska Division of Insurance. Premera offers a $5/mo discount for AFT enrollment. Source: Alaska DOI, Premera, Moda Health, MoneyGeek, May 2026.
Plan G vs. Plan N in Alaska
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Alaska. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Anchorage) | $137-$197 | $106-$216 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. Alaska allows excess charges, so Plan N enrollees should confirm their doctors accept Medicare assignment, especially in rural areas.
Alaska is the only state in the country with no Medicare Advantage plans, which makes your Medigap decision more important than anywhere else. For most Alaska seniors, State Farm at $137/mo is the best value: lowest Plan G in the state, A++ rated, and a strong local agent network. If you qualify for USAA (military or veteran), their $144/mo Plan G with A++ rating is the runner-up. If you want a local carrier with Alaska-specific provider relationships, Premera BCBS of Alaska at $197/mo is worth the premium difference, especially if you enroll in AFT to save $5/mo. For healthy seniors who rarely use medical services, Moda Health's High-Deductible Plan G at $51/mo is the most aggressive way to minimize monthly costs.
Alaska Medigap Rules You Should Know
No Medicare Advantage Plans Available in Alaska
Alaska is one of the few states where Medicare Advantage plans are not available. This makes Medicare Supplement (Medigap) the primary way for Alaska seniors to add coverage to Original Medicare. If you are moving to Alaska from another state, you cannot keep a Medicare Advantage plan.
No Birthday Rule or Anniversary Rule
Alaska does not have a birthday rule or anniversary rule. Outside of your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B, you will face medical underwriting if you try to switch Medigap carriers. This makes your initial plan choice especially important.
Standard 6-Month Open Enrollment Period
Federal law gives you a 6-month Open Enrollment Period starting the month you turn 65 and enroll in Medicare Part B. During this window, no carrier can deny you coverage or charge higher premiums due to pre-existing conditions. This is the best and often only time to lock in coverage without health questions.
Under-65 Coverage Not Required
Alaska does not require Medigap carriers to offer coverage to Medicare beneficiaries under age 65 (such as those with disabilities). If you are under 65 and on Medicare in Alaska, you may have difficulty finding Medigap coverage. Some carriers offer it voluntarily at higher rates.
Excess Charges Are Allowed in Alaska
Alaska does not ban Medicare excess charges. Providers who do not accept Medicare assignment can charge up to 15% more than the Medicare-approved amount. Plan G covers these excess charges; Plan N does not. In rural Alaska especially, confirm your providers accept Medicare assignment before choosing Plan N.
Free Help via Alaska ADRC
Alaska's Aging and Disability Resource Centers (ADRC) provide free, unbiased Medicare counseling. Call 1-800-478-6065 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Alaska market average
Plan Availability
Number of plan types offered in Alaska
Discounts and Value
AFT discounts, household discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Alaska Division of Insurance, Premera, Moda Health
Frequently Asked Questions
Find the Best Medigap Rate in Your Alaska ZIP Code
With no Medicare Advantage available in Alaska, Medigap is your most important coverage decision. Plan G starts at $137/mo in Anchorage. Compare all available carriers in your area before enrolling.