Division of Insurance

Health Reform

The Patient Protection and Affordable Care Act (PPACA) was signed into law on March 23, 2010. This Act will result in changes to health insurance in Alaska.

Some of the changes became effective on September 23, 2010 including a requirement for insurers to extend coverage under the parents policy to children up to age 26, prohibiting insurers from rescinding health insurance policies except for fraud or intentional misrepresentation , prohibiting insurers from imposing a preexisting condition waiting period on children under 19, removing lifetime limits and phasing out annual limits on coverage, covering preventive health care services without cost-sharing and other requirements. However, some of the requirement only apply to new issued plans, and some of the requirements will not take effect until your plans renews.

The Alaska Division of Insurance regulates health insurers writing insurance in Alaska and will enforce these requirements.

Many other changes, such as an insurance "exchange," will not take effect for several years.

Looking for Health Insurance Coverage?

Web Portal

  • With assistance from the states and insurance companies, HHS established a "web portal" to help individuals and small employers find health insurance options in the states, including Alaska. You can access this web portal by clicking the link below.
    http://finder.healthcare.gov/

Division of Insurance

  • The Division of Insurance surveys insurers annually to collect health insurance data. You can access a market share report for 2010 of insurers writing comprehensive health insurance in Alaska by clicking the link below.
    Health Information

Alaska Pre-existing Condition Insurance Plan

  • The Alaska Comprehensive Health Insurance Association is administering a plan under PPACA that provides health insurance to individuals with qualifying pre-existing conditions who have been uninsured for at least six months. You can access information on this plan by clicking on the link below.
    http://www.achia.com

Federal Health Care Reform Websites

Healthcare.gov

The Department of Health and Human Services (HHS) has set up a website for consumers that provides information on all aspects of the PPACA. For a direct link to the following documents on the healthcare.gov website, click the links below.

OCIIO

HHS formed the Office of Consumer Information and Insurance Oversight (OCIIO) to issue regulations and implement provisions of PPACA. The OCIIO website includes information on various regulations, initiatives and programs including coverage for children under 19, consumer appeals, coverage of adult children, pre-existing condition insurance plans, health insurance exchanges and other. For a direct link to the following information on the OCIIO website, click the links below.

Other Websites

GAO – Government Printing Office

National Association of Insurance Commissions (NAIC)

The National Association of Insurance Commissioners (NAIC) is an organization of insurance regulators from the 50 states, the District of Columbia and the five U.S. territories. The NAIC provides a forum for the development of uniform policy relating to regulation of insurance. Click on the following links for information on PPACA.

Kaiser Family Foundation

The Kaiser Family Foundation is a non-profit private operation foundation, based in Menlo Park, California, dedicated to producing and communicating information, research, and analysis on health issues. Click on the following links for information on PPACA.

Families USA

Families USA is a national non-profit, non-partisan organization dedicated to the achievement of high-quality affordable health care for all Americans.

Internal Revenue Service (IRS)

Guidance from the IRS on Health Care Reform is listed below. Contact the IRS directly or your tax advisor if you have specific questions on tax related matters.