Cheapest (and Best) Health Insurance in Omaha, NE (2023)

Aside from where you live, your health care needs, age, plan type and the number of insured individuals can influence the cost of your health insurance plan. MoneyGeek identified the companies that provide the cheapest health insurance plans in Omaha by collecting and analyzing Marketplace data. We also determined the best health insurance companies in the city by evaluating monthly costs, plan options, maximum out-of-pocket (MOOP) costs and claim denial rates.

To find an appropriate insurer for your health care needs, you may need to compare options across multiple companies since not all of them offer all the plan types or metal tiers. If there’s only one insurer in your area, you should compare all its plan options and select the best for your situation.

MoneyGeek considered customer service, pricing and plan options to find the best overall health insurance in Omaha. Based on our findings, Ambetter ranks the highest, with Silver plans costing an average of $565 per month. The company’s MOOP is $4,450, the lowest in the city. Our pick for the runner-up is Blue Cross and Blue Shield of Nebraska, with an average premium of $572 per month and an MOOP of $4,991 for a Silver plan.

Pricing is an important factor that buyers consider when selecting a suitable health insurance plan. However, other aspects should also be taken into account, such as customer service, plan options and cost-sharing opportunities. If you're looking for health insurance coverage elsewhere in the state, we've also compiled the best health insurance in Nebraska.

Considering cost as the primary factor, we found that Ambetter offers the best cheap health insurance plans in Omaha, NE. The insurer has an average monthly premium of $565 and a MOOP of $4,450 for a Silver plan.

Your health insurance premium will depend on how you split medical expenses with the insurer, and the cost of health insurance will vary significantly based on your location. Selecting a low monthly premium means you will pay more out of pocket.

A low-cost health insurance plan may not necessarily be the best for your needs. If cost is your top priority, it's a good idea to familiarize yourself with the Marketplace metal system and understand the relationship between premiums and out-of-pocket maximums. Be sure to look into copays, co-insurance and deductibles to get a clear picture of the cost of your preferred plan.

The cheapest health insurance company in Omaha for a Silver plan is Ambetter, with an average monthly premium of $565. The cheapest health insurance plan may not necessarily be the best, but if cost is your primary consideration, Silver plans may be a good option as they often have reasonable rates and come with cost-sharing reductions.

The Health Insurance Marketplace utilizes a metal tier system to categorize plan types based on their costs, ranging from Bronze to Platinum. Bronze plans offer the lowest monthly premiums, but they come with higher out-of-pocket costs and therefore offer less coverage for day-to-day health care. Catastrophic plans are usually even cheaper than Bronze plans but offer minimal coverage and have age restrictions.

The table below includes the cheapest providers in Omaha across each metal tier with their average plan costs. Our ranking excluded Catastrophic plans since they are only available to individuals below 30.

Nebraska HeartlandBlue Silver Standard 5800 BP from Blue Cross and Blue Shield of Nebraska is the most affordable Silver plan in Omaha. The policy costs an average of $548 per month.

The table below can help you compare the cheapest medical insurance plans in Omaha for each metal tier and their average costs. We've excluded Catastrophic plans because of the age limitation.

To determine health insurance costs, insurance providers consider age as one of the primary factors, regardless of where you live. As you age and your health care needs increase, you will pay higher premiums.

Excluding Catastrophic plans that include an age restriction, Bronze or Expanded Bronze plans almost always have the lowest monthly premiums. However, if you choose a lower metal tier, make sure you understand your provider’s network to avoid paying high costs for out-of-network services. The chart below shows some of the most affordable providers in Omaha for Silver plans.

The amount you pay for medical insurance largely depends on your age and the metal tier you choose. The older you are and the higher the metal tier, the more you can expect to pay. The following graph shows how health insurance costs in Omaha vary by metal tier and age.

Health insurance plans can be quite expensive. Luckily, there are certain subsidies that can help low-income earners save on costs. You would normally be eligible for a health insurance subsidy if your income is between 100% and 400% of the federal poverty line (FPL). However, the American Rescue Plan Act and the Inflation Reduction Act expanded these benefits from 2022 to 2025, so those with incomes above 400% of the FPL may also be able to access subsidies.

If you are not eligible for a subsidy, Medicaid and the Children’s Health Insurance Program (CHIP) may be alternative options for people who qualify. To be eligible for these programs, your income must fall between 100% and 150% of the FPL, depending on the state. Medicaid is distinct from Medicare, so it's important to understand the difference.

MoneyGeek responded to frequently asked questions about health insurance in Omaha to help you get started.