State profile · AK · CMS + NAIC
Insurance in Alaska
How health insurers handle claims in Alaska, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 27.0%
- Avg claims denied
- #2
- denial rank of 31
- $1113
- Avg auto / yr
- +12%
- Auto, 5-yr
- 1
- Insurers w/ data
The verdict
Marketplace insurers in Alaska deny 27.0% of claims — above the 21% national average, the 2nd-highest of 31 states, and drivers pay an average $1113 a year for auto cover, less than the $1191 national average.
- 27.0%
- avg claims denied
- #2
- of 31 states
- $1113
- avg auto / yr
- 27%
- highest (Premera Blue Cross)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Health insurers in Alaska, by denial rate
1 insurers reporting marketplace claims in Alaska
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | Premera Blue Cross Blue Shield of Alaska D | 777,447 |
Auto insurance in Alaska
Auto premiums in Alaska are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $991 average expenditure
$991 avg expenditure
- 2020
2020: $967 average expenditure
$967 avg expenditure
- 2021
2021: $976 average expenditure
$976 avg expenditure
- 2022
2022: $1014 average expenditure
$1,014 avg expenditure
- 2023
2023: $1113 average expenditure
$1,113 avg expenditure
What this shows Alaska drivers' average auto cost rose 12% between 2019 and 2023.
What the data shows for Alaska
Alaska's marketplace insurers denied 27.0% of submitted claims in the CMS data, the 2nd-highest rate of the 31 states with federal marketplace filings. Denial rates this far above the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Alaska pay an average $1113 a year — less than the $1191 national average — split across $624 liability, $458 collision and $180 comprehensive premiums. That figure has moved up 12% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Alaska can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Alaska residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Alaska's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.