Best Health Insurance in Nebraska (2026)

Key Takeaways

Blue Cross Blue Shield provides the best health insurance in Nebraska, offering EPO and PPO policies that effectively balance monthly premiums with deductibles and out-of-pocket expenses.

Oscar provides the cheapest health insurance in Nebraska, though its deductibles and out-of-pocket costs are higher than some competitors.

Nebraska residents should gather quotes from several insurers, examine provider networks and cost-sharing details and verify their doctors participate in the chosen plan.

Best Health Insurance Companies in Nebraska

Blue Cross Blue Shield is the best health insurance company in Nebraska, providing EPO and PPO plans across all metal tiers. Ambetter, Oscar, Medica and UnitedHealthcare are strong alternatives depending on your preferences.


Blue Cross Blue Shield	$1,112	$4,769	$2,588	5.0	Heartlandblue Silver Hsa 5500 Blueprint Health W/ Adult Vision
Ambetter	$765	$5,489	$3,268	4.2	Focused Silver
Oscar	$751	$5,975	$3,378	4.2	Silver Classic Standard \| With Bryan Health
Medica	$1,039	$5,950	$2,305	4.0	Elevate By Medica Silver Share
UnitedHealthcare	$954	$5,824	$2,593	4.0	Uhc Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals)

*Our picks reflect the best companies for 40-year-olds seeking Silver-tier plans. Rates vary by age and coverage level.

Blue Cross Blue Shield

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$1,112
Average MOOP
$4,769
Average Deductible
$2,588

pros
- Offers both EPO and PPO network options
- Low $1,125 deductibles on Gold plans
- HSA-eligible Bronze, Expanded Bronze and Silver plans
cons
- PPO plans have higher premium rates
- High $7,875 deductibles on Bronze tier plans
Blue Cross Blue Shield dominates Nebraska's health insurance landscape with EPO and PPO plans across Bronze through Gold tiers. EPO plans offer the most affordable entry point; Expanded Bronze costs $662 monthly, while Gold reaches $945 with notably low deductibles ($1,125) and out-of-pocket maximums ($5,300). Silver EPO plans range from $872 to $926.

PPO plans add out-of-network access for $115 to $234 more per month. Bronze PPO starts at $777, climbing to $1,179 for Gold.

Nebraska residents can weigh provider flexibility against monthly premiums. BCBS's established state presence and dual network structure make EPO plans particularly competitive across all metal tiers.
Blue Cross Blue Shield health insurance plans in Nebraska:
Data filtered by:
Metal Level
Bronze
Plan Type
EPO
Heartlandblue Bronze 0% Coinsurance After Deductible Network Blue $774 EPO Bronze $7,875 $7,875 Yes


Heartlandblue Bronze 0% Coinsurance After Deductible Network Blue	$774	EPO	Bronze	$7,875	$7,875	Yes

Ambetter

MoneyGeek Rating

4.2/ 5

5/5Affordability

2.5/5Deductible

3.5/5MOOP

Average Monthly Rate
$765
Average MOOP
$5,489
Average Deductible
$3,268

pros
- Premiums below state average across all metal tiers
- Gold plans feature low $800 deductibles
- EPO network allows specialist visits without referrals
cons
- Bronze have high $5,531 deductibles before coverage begins
Ambetter's Nebraska rates run 8% to 15% below state averages across all EPO tiers. Silver plans hit 15% under typical costs at $765 monthly, with $3,268 deductibles and $5,489 out-of-pocket caps. Gold coverage runs $808 monthly with $800 deductibles, among the lowest available. Expanded Bronze costs $628, includes HSA eligibility, and has $5,531 deductibles.

The EPO network means no referrals needed for specialists, but you stay in-network for coverage. Budget-focused Nebraskans get solid savings without primary care gatekeeping.

Ambetter health insurance plans in Nebraska:

Data filtered by:


Choice Bronze Hsa	$626	EPO	Expanded Bronze	$5,438	$5,438	Yes
Choice Bronze Hsa + Vision + Adult Dental	$641	EPO	Expanded Bronze	$5,438	$5,438	Yes
Standard Expanded Bronze	$577	EPO	Expanded Bronze	$7,500	$5,625	Yes
Standard Expanded Bronze + Vision + Adult Dental	$591	EPO	Expanded Bronze	$7,500	$5,625	Yes
Elite Bronze	$658	EPO	Expanded Bronze	$7,875	No Data	Yes
Elite Bronze + Vision + Adult Dental	$673	EPO	Expanded Bronze	$7,875	No Data	Yes

Oscar

MoneyGeek Rating

4.2/ 5

5/5Affordability

2.8/5Deductible

3/5MOOP

Average Monthly Rate
$751
Average MOOP
$5,975
Average Deductible
$3,378

pros
- Lowest premiums in the state
- Gold plans feature low $938 deductibles
- Low-income plans available
cons
- Offers EPO plans only, limiting provider network flexibility
- Expanded Bronze plans carry high $5,188 deductibles
Oscar Health Plan's Nebraska EPO rates are 11% to 17% lower than state averages. Silver plans hit the sweet spot, 17% under typical costs at $751 monthly, with $3,378 deductibles and $5,975 out-of-pocket caps. Gold runs $803 monthly (14% below state rates) with $938 deductibles. Expanded Bronze costs $605, qualifies for HSAs, and carries $5,188 deductibles.

Oscar's app handles most health care tasks: virtual doctor visits, prescription refills, care recommendations, and claims tracking. The digital-first approach cuts overhead, which translates to lower premiums for Nebraskans comfortable managing health insurance through their phones.

Oscar health insurance plans in Nebraska:

Data filtered by:


Bronze Simple Diabetes \| With Bryan Health	$555	EPO	Expanded Bronze	$7,613	$4,125	Yes
Bronze Classic Standard \| With Bryan Health	$545	EPO	Expanded Bronze	$7,500	$5,625	Yes
Bronze Classic \| With Bryan Health	$517	EPO	Expanded Bronze	$7,950	$5,813	Yes
Bronze Simple Diabetes	$665	EPO	Expanded Bronze	$7,613	$4,125	Yes
Bronze Classic Standard	$653	EPO	Expanded Bronze	$7,500	$5,625	Yes
Bronze Classic	$619	EPO	Expanded Bronze	$7,950	$5,813	Yes
Bronze Elite + Pcp Saver Plus \| With Bryan Health	$584	EPO	Expanded Bronze	$7,950	No Data	Yes
Bronze Elite + Pcp Saver Plus	$699	EPO	Expanded Bronze	$7,950	No Data	Yes

Best Health Insurance in Nebraska by Category

The best health insurance options in Nebraska change based on both age and network structure, with clear leaders emerging in each category. Looking at Silver-tier plans, the following comparisons highlight which insurers offer the best value by age group and plan type.

By Age:

Teens (18): Oscar EPO ($536 monthly), Blue Cross Blue Shield EPO ($623)
Young adults (26): Oscar EPO ($601 monthly), Blue Cross Blue Shield EPO ($699)
Adults (40): Oscar EPO ($751 monthly), Blue Cross Blue Shield EPO ($872), Blue Cross Blue Shield PPO ($1,112)
Seniors (60): Oscar EPO ($1,594 monthly), Blue Cross Blue Shield EPO ($1,852)

By Network Type (40-year-olds):

EPO: Oscar delivers the most affordable option at $751 monthly, while Blue Cross Blue Shield costs $872 monthly but offers lower deductibles and out-of-pocket maximums
PPO: Blue Cross Blue Shield offers the best PPO plans in the state at $1,112 monthly

Compare Nebraska Health Insurance Providers

Health insurance costs vary between providers and metal tiers in Nebraska. The comparison table below shows how plans differ by your age, coverage level and HSA options.

Data filtered by:


Blue Cross Blue Shield	$872	EPO	Silver	$4,824	$2,533	40	No
Ambetter	$765	EPO	Silver	$5,489	$3,268	40	No
Oscar	$751	EPO	Silver	$5,975	$3,378	40	No
Medica	$1,039	EPO	Silver	$5,950	$2,305	40	No
UnitedHealthcare	$954	EPO	Silver	$5,824	$2,593	40	No
Blue Cross Blue Shield	$1,112	PPO	Silver	$4,769	$2,588	40	No

How to Choose the Best Health Insurance in Nebraska

Finding the right health insurance in Nebraska comes down to comparing your coverage needs, checking provider quality and exploring enrollment choices.

1
Assess your health care needs
Review your current medications, planned procedures and how often you visit doctors to determine which coverage level makes sense. Past medical expenses help predict future costs and guide your deductible choice.
2
Compare quotes from multiple insurers
Request rates from at least three Nebraska health insurance companies to spot price differences and coverage variations.
3
Check provider networks
Verify your preferred doctors, specialists and hospitals accept plans you're considering. Out-of-network care costs more and may require full payment upfront.
4
Review out-of-pocket maximums and deductibles
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your MOOP caps annual expenses, limiting your total costs.
5
Evaluate plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less, while PPOs offer flexibility to see specialists without approval at higher premiums. EPOs and POS plans fall between these options.
6
Explore federal programs
Subsidies and Medicare plans make health insurance more affordable. If you have a low income, a qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options.

How Much Does Health Insurance Cost in Nebraska?

Nebraska health insurance costs vary by plan type, metal tier, age and location. EPO plans in the state range from $722 monthly for Bronze to $936 for Gold coverage. PPO plans cost more, starting at $777 for Bronze and reaching $1,179 for Gold plans.


EPO	$722	681	912	936
PPO	$777	856	1134	1179

*Rates are averages for 40-year-olds in Nebraska. Your rates will vary based on your age and location.

Best Health Insurance in Nebraska: Bottom Line

Blue Cross Blue Shield, Ambetter and Oscar are the best health insurance companies in Nebraska, but the right choice depends on your age, preferred network type, health care needs and budget. Comparing quotes from multiple insurers and reviewing premiums, deductibles and out-of-pocket limits can help you find coverage that offers the best overall value.

Best Nebraska Health Insurance: FAQ

Answers to frequently asked questions about the best health insurance in Nebraska:

Is health insurance required in Nebraska?

No, Nebraska doesn't require residents to have health insurance. The state has no individual mandate or tax penalty for being uninsured. Residents can still access federal subsidies through Healthcare.gov to make coverage more affordable if they qualify based on income.

When is open enrollment in Nebraska?

Nebraska's open enrollment period for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to have coverage start January 1, 2026.

Can you get free health insurance in Nebraska?

Yes, Nebraska residents can access free health insurance through Medicaid expansion, which covers adults earning up to 138% of the federal poverty level. Many others qualify for premium subsidies through the federal marketplace that reduce monthly costs.

Our Review Methodology

Our ranking system centers on cost factors that matter most: premiums, deductibles and maximum out-of-pocket limits.

Scoring methodology:

Monthly premium (60%): Plans with the cheapest average monthly costs receive the top ratings.
Maximum out-of-pocket (MOOP) score (20%): This is the yearly spending cap beyond your premium payments. Insurers with lower MOOP averages earn better scores.
Deductible (20%): The amount you pay before insurance coverage begins. Plans with smaller deductibles get higher ratings.

Scores are standardized within each category. For Silver-tier HMO options, the leading provider gets a 5.0 rating, with others scored relative to that top performer.

MoneyGeek examined all 2026 health insurance options in Nebraska for people ages 18, 26, 40, 50 and 60. Premium costs reflect 40-year-old rates unless stated otherwise. Our review covers Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum tiers.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Health Insurance in Nebraska (2026)

Best Health Insurance Companies in Nebraska

Best Health Insurance in Nebraska by Category

Compare Nebraska Health Insurance Providers

How to Choose the Best Health Insurance in Nebraska

How Much Does Health Insurance Cost in Nebraska?

Best Health Insurance in Nebraska: Bottom Line

Best Nebraska Health Insurance: FAQ

Is health insurance required in Nebraska?

When is open enrollment in Nebraska?

Can you get free health insurance in Nebraska?

Our Review Methodology

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