Medicare Supplement Plans in Alaska 2025

Medicare Supplement Insurance (Medigap) helps Alaska seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. Alaska residents can choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.

Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.

Medigap Enrollment in Alaska

According to AHIP, about 15% of Medicare beneficiaries in Alaska are enrolled in a Medigap plan. While this rate is lower than in many other states, Medigap remains an important option for Alaskans who want predictable costs and access to any provider nationwide who accepts Medicare.

Most Popular Medigap Plans in Alaska

Note: Plans E, H, I, and J are discontinued nationwide. Pre-standardized plans (sold before July 1992) may still exist but are no longer offered.

How Medigap Pricing Works in Alaska

Premiums for Medigap policies are based on pricing methods that determine how costs rise over time. Alaska insurers may use one of three models:

• Attained-age rated – Premiums increase as you age. This is the most common method in Alaska, according to the Kaiser Family Foundation (KFF).
• Issue-age rated – Premiums are based on your age at purchase and may rise due to inflation, not age.
• Community rated – All policyholders pay the same premium, regardless of age.

Under-65 Eligibility in Alaska

Alaska does not require insurers to sell Medigap plans to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). However, some insurers may voluntarily choose to make plans available, so under-65 beneficiaries should check directly with insurance providers for options.

Choosing a Medigap Plan in Alaska

Plan F still leads enrollment among long-time beneficiaries, but new enrollees often turn to Plan G for comprehensive coverage or <a href=”/med