Health insurance plans in Fairbanks North Star Borough, AK (2026)
15 marketplace plans from 2 insurers are offered in Fairbanks North Star Borough. The cheapest silver plan is $1,010 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $648 | 6 |
| Silver | $1,010 | 4 |
| Gold | $903 | 5 |
All plans in Fairbanks North Star Borough
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Moda Health Plan, Inc. | Moda Select Alaska Standard Bronze | Bronze | PPO | — | — | $648 |
| Moda Health Plan, Inc. | Moda Select Alaska Bronze HDHP 5500 | Bronze | PPO | — | — | $678 |
| Moda Health Plan, Inc. | Moda Select Alaska Bronze 6500 | Bronze | PPO | — | — | $682 |
| Premera Blue Cross Blue Shield of Alaska | Premera Blue Cross Standard Bronze II | Bronze | PPO | — | — | $722 |
| Premera Blue Cross Blue Shield of Alaska | Premera Blue Cross Preferred Bronze 5800 HSA | Bronze | PPO | — | — | $743 |
| Premera Blue Cross Blue Shield of Alaska | Premera Blue Cross Preferred Bronze 6350 | Bronze | PPO | — | — | $757 |
| Moda Health Plan, Inc. | Moda Select Alaska Standard Gold | Gold | PPO | — | — | $903 |
| Moda Health Plan, Inc. | Moda Select Alaska Gold 1500 | Gold | PPO | — | — | $918 |
| Premera Blue Cross Blue Shield of Alaska | Premera Blue Cross Standard Gold | Gold | PPO | — | — | $918 |
| Premera Blue Cross Blue Shield of Alaska | Premera Blue Cross Alaska One Gold | Gold | PPO | — | — | $950 |
| Premera Blue Cross Blue Shield of Alaska | Premera Blue Cross Preferred Gold 1500 | Gold | PPO | — | — | $950 |
| Moda Health Plan, Inc. | Moda Select Alaska Standard Silver | Silver | PPO | — | — | $1,010 |
| Premera Blue Cross Blue Shield of Alaska | Premera Blue Cross Standard Silver | Silver | PPO | — | — | $1,025 |
| Moda Health Plan, Inc. | Moda Select Alaska Silver 4500 | Silver | PPO | — | — | $1,043 |
| Premera Blue Cross Blue Shield of Alaska | Premera Blue Cross Preferred Silver 4500 | Silver | PPO | — | — | $1,045 |
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $791 |
| 40 | $1,010 |
| 60 | $2,146 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Alaska · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Fairbanks North Star Borough County?
The cheapest plan for a 40-year-old non-smoker is $648 a month (Bronze metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $1,010.
How much does health insurance cost in Fairbanks North Star Borough County?
For a 40-year-old non-smoker the cheapest plans in Fairbanks North Star Borough start around $648 a month before subsidies. Silver plans cost from $1,010; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Fairbanks North Star Borough County?
2 insurers filed 15 plan options for this county in the 2026 CMS file.