ACA marketplace plans in Fairbanks, Alaska (2026)
Fairbanks, Alaska (population 32,083, ACS 2020-2024), covering ZIP codes 99701, 99706, 99707, 99708, 99709 and 5 more sits in Fairbanks North Star County, where 15 ACA marketplace plans from 2 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $1,056 per month for a 40-year-old. 2027 plans for Fairbanks North Star County are now available.
City stats
- Population: 32,083 (ACS 2020-2024)
- Uninsured rate: 10.0% (ACS 2020-2024, table S2701)
- Median household income: $73,534 (ACS 2020-2024, table B19013)
ZIP codes covered
99701, 99706, 99707, 99708, 99709, 99710, 99711, 99712, 99775, 99790
Source: GeoNames US postal 2026-07-22.
Five lowest-cost plans in Fairbanks North Star County (age 40)
- Moda Health Plan, Inc. — Moda Select Alaska Standard Bronze · Expanded Bronze · $681.00/mo · deductible $7,500 · MOOP $10,000
- Moda Health Plan, Inc. — Moda Select Alaska Bronze HDHP 5500 · Expanded Bronze · $713.00/mo · deductible $5,500 · MOOP $8,050
- Moda Health Plan, Inc. — Moda Select Alaska Bronze 6500 · Expanded Bronze · $717.00/mo · deductible $6,500 · MOOP $9,000
- Premera Blue Cross Blue Shield of Alaska — Premera Blue Cross Standard Bronze II · Expanded Bronze · $729.31/mo · deductible $7,500 · MOOP $10,000
- Premera Blue Cross Blue Shield of Alaska — Premera Blue Cross Preferred Bronze 5800 HSA · Expanded Bronze · $750.22/mo · deductible $5,800 · MOOP $8,000
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (Congressional Research Service report R48290; KFF's 2026 premium tracker).
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan and premium figures come from this file.
- American Community Survey 5-Year Estimates, 2020-2024 — U.S. Census Bureau. Population/income/uninsured figures where present.
- ZIP-city association: GeoNames US postal 2026-07-22 — postal geography derived from USPS ZIP city listings.
- Full methodology: how we source and interpret this data →