The elected officials are at fault - little old "A" grades from repub quasi-agencies notwithstanding.  The repubs are so dug in against harming oil interests they do nothing of substance ever for their Alaskan constituents.  I would say Alaskans are not recognized as constituents.  No regulation of the insurance industry at all.  Instead, the elected officials check with their insurance buddies for the legislation they want.  Since the repub empire in Alaska was built by idiots one particular insurance company has absorbed competitors.  They dictate what exactly will be practices and they aren't nice for anyone including the doctors.  It's horrendous.  Ladies and gentlemen, elect democrats for a change and let's actually regulate the medical insurance industry.  Right now, meds aren't dispensed and laws are written to particularly harm particular democrat patients at the surly whim of certain  repubs.  Not businesslike.  Not healthy.  They are laughing at you Alaskans.