Alaska insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Alaska. Updated Mar 31, 2026.
Department of Insurance
Alaska operates a balanced regulatory environment with file-and-use rate filing for most insurance products while maintaining prior approval for certain changes. The Division of Insurance enforces consumer protections under Title 21, handles licensing and compliance oversight, and provides market conduct examinations. Alaska has adopted modern standards including data security requirements (effective 2025) and pharmacy benefit manager regulation.
Auto Insurance
Notable Laws
- AS 28.22.011 - Mandatory motor vehicle liability insurance requirement for all registered vehicles
- AS 28.22.201 - Combined UM/UIM coverage required but may be rejected in writing by insured; $250 deductible on property damage
- AS 28.22.019 - Proof of insurance must be in immediate possession; mobile electronic device display permitted
- AS 21.89.020 - Motor vehicle insurance must include specific minimum coverage amounts
- AS 28.15.181 - Lifetime SR-22 requirement for fourth DUI conviction or unsatisfied judgment
Homeowners Insurance
Notable Laws
- AS 21.36.460 - Credit history and insurance scores may be used for underwriting and rating in combination with other factors
- AS 21.96.035 - Mandatory appraisal process for disputes over property loss valuation
- 3 AAC 29.355 - Cancellation requires 10 days notice for nonpayment, 30 days for other reasons after 60 days in effect
- AS 21.36.125 - Insurers must promptly acknowledge communications and reasonably investigate claims
- AS 21.96.050 - Insurers must report suspected arson to fire marshal and cooperate in investigations
Recent Bulletins
Eligible Surplus Lines Insurers in the State of Alaska
Updates the white list of eligible surplus lines insurers authorized to operate in Alaska. Clarifies eligibility requirements under NRRA, establishes two statuses (White Listed for foreign companies and Listing Approved for alien companies), and notes alien insurers on NAIC Quarterly Listing are automatically eligible. Supersedes Bulletin B25-06.
View bulletinFair Treatment to Consumers Following the 2025 Storm Impacting the West Coast of Alaska
Directs insurers to suspend policy cancellations and nonrenewals for Western Alaska storm victims until November 30, 2025. Requires health insurers to suspend out-of-network penalties for prescriptions through October 31, 2025, allow 90-day medication supplies, and cover retail pharmacy costs. Supersedes B25-07.
View bulletinInsurer Employee Identification in Grievance Communications; Registered Independent Review Organizations
Allows health insurers to withhold full employee names in grievance communications for safety reasons, permitting use of first name and last initial or alphanumeric identifiers. Insurers must maintain internal tracking and provide full names to Division upon request. Temporary measure expiring January 24, 2026.
View bulletinWithdrawal of B24-07 - Depreciation of Labor
Withdraws Bulletin B24-07 regarding depreciation of labor in property and casualty insurance claims, effective January 24, 2025.
View bulletinAlaska Insurance Data Security Law
Provides guidance on SB 134 establishing data security standards for insurance licensees. Requires risk assessments, written Information Security Programs with administrative/technical/physical safeguards, incident response plans, and annual compliance certifications starting February 15, 2026. Cybersecurity breaches affecting 250+ Alaskans must be reported within 3 business days.
View bulletinRecent Law Changes
Comprehensive Insurance Reform Act
Omnibus insurance bill making numerous updates to Alaska insurance laws including modernizing licensing requirements for PBMs and TPAs, updating procedures for rate filings, enhancing regulatory oversight, and aligning with national standards. Eliminates TPA licensing exemptions and expands Division authority.
Affects all insurance licensees, PBMs, TPAs, and insurers doing business in Alaska by requiring updated registration, filings, and compliance with new procedures.
Effective: 2026-01-01
Prior Authorization Reform
Establishes strict timelines for health insurers to respond to prior authorization requests. Requires insurers to notify patients within 72 hours for urgent care and 15 days for non-urgent care. Mandates streamlined prior authorization processes and API integration for electronic submissions by 2027.
Affects health insurers and healthcare providers by requiring faster prior authorization decisions and improved communication systems, reducing delays in patient care.
Effective: 2026-01-01
Alaska Insurance Data Security Law
Establishes comprehensive data security standards for all insurance licensees based on NAIC model. Requires risk assessments, written Information Security Programs, incident response plans, board oversight, and annual certifications. Mandates notification to Division within 3 business days for cybersecurity events affecting 250+ Alaskans.
Affects all insurance licensees by requiring implementation of cybersecurity programs, annual compliance certifications starting 2026, and breach notification protocols.
Effective: 2025-01-01
Pharmacy Benefit Manager Registration and Regulation
Requires all pharmacy benefit managers operating in Alaska to register with the Division of Insurance. Establishes registration requirements including organizational documents, financial statements, business plans, and registration fees. Provides enhanced regulatory oversight of PBM practices and establishes consumer protection standards.
Affects pharmacy benefit managers by requiring state registration, extensive documentation, and compliance with Alaska insurance regulations for PBM operations.
Effective: 2025-01-01
Workers' Compensation Reemployment Benefits and Stay-at-Work Program
Establishes workers' compensation stay-at-work program to help injured workers remain employed during recovery. Extends time period for requesting reemployment eligibility evaluations from 60-89 days to 60-120 days. Includes provisions for reemployment plans with benefits extending up to 2 years from plan approval.
Affects employers and injured workers by creating new stay-at-work programs and expanding reemployment benefits to facilitate return to work and reduce disability duration.
Effective: 2024-07-11
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