FAIRBANKS- It should come as no surprise that Alaskans seeking health insurance under the Affordable Care Act may pay higher premiums than other people in the country. The U.S. Health and Human Services Department says, the average individual premium for a benchmark policy known as the "second–lowest–cost silver" plan will cost $474 per month. Of the 48 states analyzed, only Wyoming is higher in that category, at $516. Under the ACA, commonly known as "Obamacare" nearly everyone is required to have health insurance or face a tax penalty. Most with an insurance plan meet the federal requirements, however a spokesperson for the United Way of Anchorage says about 127,000 people in Alaska are uninsured. She says, starting October 1st, navigators can help explain many insurance options that could help save money. Some consumers may qualify for medicaid, medicare, or tax credits which will lower the cost of monthly premiums.