The southern Beaufort Sea polar bear sub-population (Ursus maritimus) has been adversely affected by climate change and loss of sea ice habitat. Even though the sub-population is likely decreasing, it remains difficult to link individual polar bear health and physiological change to sub-population effects. We developed an index of allostatic load, which represents potential physiological dysregulation. The allostatic load index included blood- and hair-based analytes measured in physically captured southern Beaufort bears in spring. We examined allostatic load in relation to bear body condition, age, terrestrial habitat use and, over time, for bear demographic groups. Overall, allostatic load had no relationship with body condition. However, allostatic load was higher in adult females without cubs that used terrestrial habitats the prior year, indicating potential physiological dysregulation with land use. Allostatic load declined with age in adult females without cubs. Sub-adult males demonstrated decreased allostatic load over time. Our study is one of the first attempts to develop a health scoring system for free-ranging polar bears, and our findings highlight the complexity of using allostatic load as an index of health in a wild species. Establishing links between individual bear health and population dynamics is important for advancing conservation efforts.