Medicare Supplement

Medigap in Alaska for 2027: 12 Insurers and the Plans They Sell

ANCHORAGE — For Alaskans who stick with Original Medicare, a Medicare Supplement policy — better known as Medigap — is the piece that fills in a lot of the out-of-pocket costs Original Medicare leaves behind. As Annual Enrollment 2027 approaches (October 15 – December 7, 2026, for coverage that starts January 1, 2027), it's a good moment to look at who sells Medigap in Alaska and what the rules say.

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What is Medigap and how is it different from Medicare Advantage in Alaska?

Medigap is a private insurance policy that works alongside Original Medicare (Part A and Part B) to pay some of the deductibles, coinsurance and copays Original Medicare does not. It is not Medicare Advantage. Medicare Advantage (Part C) replaces the way you get Original Medicare and typically bundles in extras and a drug plan. Medigap, by contrast, sits on top of Original Medicare: you keep Original Medicare, you can see any provider in the U.S. who accepts Medicare, and the Medigap policy pays its share after Medicare pays. You cannot be enrolled in both a Medicare Advantage plan and a Medigap policy at the same time.

Which insurers sell Medigap in Alaska for 2027, and which plan letters do they offer?

According to Medicare.gov's Medigap policy search for ZIP code 99501, 12 insurers are listed for Alaska. What any one person is offered can differ by ZIP code and by age, sex and tobacco use, and premiums and underwriting are set insurer by insurer. The insurers and the federal standardized plan letters shown for each are:

• AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
• Aetna Health and Life Insurance Company: A, F, G, N
• Bankers Life (Underwritten by Washington National Insurance Company): A, F, G, G-HD, N
• Humana (Humana Insurance Company): A, B, C, F, F-HD, G, G-HD, K, L
• Insurance Company of North America: A, F, G, G-HD, N
• Loyal American Life Insurance Company (CIGNA): A, F, G, N
• Moda Health Plan, Inc.: A, F, F-HD, G, G-HD, N
• Mutual of Omaha (Mutual of Omaha Insurance Company): A, C, D, F, F-HD, G, G-HD, N
• Premera BlueCross BlueShield of Alaska: A, F, G, N
• State Farm Mutual Automobile Insurance Company: A, C, D, F, G, N
• United American Insurance Company: A, B, C, D, F, F-HD, G, G-HD, K, L, N
• USAA Life Insurance Company: A, F, G, N

Across those insurers, the plan letters sold in Alaska are A, B, C, D, F, F-HD, G, G-HD, K, L and N. Plans C and F are closed to people who first became eligible for Medicare on or after January 1, 2020; people eligible before that date may still be able to buy them. Every policy that carries the same letter must cover the same federally standardized set of benefits, no matter which company sells it.

When is my Medigap Open Enrollment Period in Alaska and why does it matter?

Your Medigap Open Enrollment Period is a one-time, six-month window that starts the first month you are both 65 or older and enrolled in Medicare Part B. During that window, you can buy any Medigap policy sold in Alaska from any insurer that offers it, and the company cannot turn you down or charge you more because of your health. Outside that window, in most situations, insurers in Alaska may use medical underwriting to decide whether to sell you a policy and what to charge. That's why the six-month window matters: it is the clearest shot most people get at Medigap without health questions.

What are guaranteed-issue rights in Alaska if my Medicare Advantage plan is not returning for 2027?

Guaranteed-issue rights are situations in which a Medigap insurer must sell you certain policies, cannot use your health against you and cannot charge more because of your health. Federal rules create these rights in specific circumstances — for example, when a Medicare Advantage plan leaves your service area or stops offering coverage for the coming year, when certain employer or union coverage ends, or when you move out of a plan's service area. The brief for this article does not include a state count of Alaskans whose Medicare Advantage plan is not returning for 2027, so no number is given here. If you receive a non-renewal notice from your Medicare Advantage plan, keep it; it's often the document that proves your guaranteed-issue right. For the full list of qualifying situations and timing, check Medicare.gov or call 1-800-MEDICARE.

Does Medigap in Alaska cover prescription drugs for 2027?

No. Medigap policies sold today do not include prescription drug coverage, so Alaskans with Original Medicare and a Medigap policy choose a stand-alone Medicare Part D plan separately. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The Part D base beneficiary premium for 2027 is $41.33, a national figure used to calculate the late-enrollment penalty; actual plan premiums are set plan by plan. Annual Enrollment 2027 runs October 15 – December 7, 2026, and the Part D choice you make then takes effect January 1, 2027.

How should I compare Medigap policies in Alaska for 2027?

Start with the plan letter, because benefits are standardized by letter under federal rules — a Plan G from one insurer covers the same federally defined benefits as a Plan G from another. From there, differences come down to the premium each insurer charges, how it sets rates (and raises them over time), customer service, and extras such as household discounts. The Medigap policy search at Medicare.gov lets you see which insurers file policies for your ZIP code and request details. For actual pricing and underwriting rules, go to each insurer's own materials or call the company directly.

Where can Alaskans get free help with Medicare for 2027?

Medicare.gov has a Medigap policy search, the Medicare Plan Finder for Part D and Medicare Advantage, and plain-language explainers on enrollment periods and guaranteed-issue rights. You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which will affect many Alaskans' monthly checks even as 2027 Part B and IRMAA figures remain to be announced by CMS later this fall.