Cheapest Health Insurance in Nebraska (2024 Plans)


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ByMark Fitzpatrick
Edited byDenise Cristobal
ByMark Fitzpatrick
Edited byDenise Cristobal

Updated: May 22, 2024

Advertising & Editorial Disclosure

Switching from the popular Silver tier can affect your insurance costs. In Nebraska, Medica offers the most affordable Bronze and Expanded Bronze plans; Oscar has the lowest-cost Catastrophic plan; Ambetter leads with the least expensive Silver and Gold plans.

If you are looking to balance monthly premiums with quality claims and coverage, MoneyGeek analyzed the best health insurance in Nebraska.

Why Trust MoneyGeek? We downloaded plan data for Nebraska directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

88Plans Analyzed
 
8Providers Compared

Cheapest Health Insurance in Nebraska by Metal Tier

The cheapest plan in the Silver tier in Nebraska is the Standard Silver offered by Ambetter, which is not only the most common plan type but also has a monthly cost of $585. For those willing to accept higher out-of-pocket costs for lower monthly rates, Bronze plans are an alternative option.

Health insurance costs are contingent upon the metal tier, each offering a balance between monthly premiums and expenses like deductibles and copays.

Here are the most affordable health insurance plans from each metal tier:

  • Catastrophic: Secure by Oscar ($358 per month for a 26-year-old)
  • Bronze: Medica Insure Bronze Standard by Medica ($576 per month
  • Expanded Bronze: Elevate by Medica Expanded Bronze Standard by Medica ($446 per month)
  • Silver: Standard Silver by Ambetter ($585 per month)
  • Gold: Clear Gold by Ambetter ($578 per month)

Catastrophic plans are only available to those under 30 or with a qualifying hardship exemption.

For more details on cheap health insurance options, consider your individual needs and how different plans might best serve you.

Data filtered by:Results filtered by:
Age:
Age:40
Expanded BronzePlanElevate by Medica Expanded Bronze StandardCompanyMedicaMonthly Cost$446Maximum Out-of-Pocket$9,400
CatastrophicPlanSecureCompanyOscarMonthly Cost$447Maximum Out-of-Pocket$9,450
BronzePlanMedica Insure Bronze Standard CompanyMedicaMonthly Cost$576Maximum Out-of-Pocket$9,450
GoldPlanClear GoldCompanyAmbetterMonthly Cost$578Maximum Out-of-Pocket$8,700
SilverPlanStandard SilverCompanyAmbetterMonthly Cost$585Maximum Out-of-Pocket$9,100
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WHAT ARE METAL TIERS?

In the Nebraska health insurance marketplace, consumers can choose from various metal tiers, including Bronze, Expanded Bronze, Silver, Gold and even a Catastrophic option. These tiers represent different levels of coverage and corresponding premiums, balancing monthly costs with out-of-pocket expenses when seeking medical care.

Bronze plans, like the Medica Insure Bronze Standard, typically have the lowest premiums but higher out-of-pocket costs. For instance, a 40-year-old may pay around $576 monthly but face a maximum out-of-pocket of roughly $9,450. Expanded Bronze offers slightly different coverage with similar cost structures.

Silver plans, such as the Standard Silver by Ambetter, come with moderate premiums and out-of-pocket costs, offering a balance between the two. A monthly cost might be about $585, with a maximum out-of-pocket close to $9,100.

Gold plans, including Ambetter's Clear Gold, have higher monthly premiums but lower out-of-pocket expenses; a 40-year-old could pay approximately $578 per month with a maximum out-of-pocket of $8,700.

Individuals earning below 250% of the Federal Poverty Line can qualify for cost-sharing reductions on Silver plans. This assistance lowers copayments, co-insurance and deductibles, making health care more accessible and affordable, particularly when frequent medical care is needed. With this aid, a Silver plan’s value surpasses Gold for those eligible, combining reasonable premiums with reduced out-of-pocket obligations.

Cheapest Silver Plans in Nebraska

The Standard Silver plan from Ambetter is the most economical option among the Silver tier health insurance plans in Nebraska, with a monthly cost of $585.

The three most affordable Silver health plans in Nebraska are:

  • Standard Silver from Ambetter ($585 per month)
  • Clear Silver from Ambetter ($592 per month)
  • Focused Silver from Ambetter ($597 per month)

Silver plans are well-suited for customers looking for a balance between monthly premium costs and out-of-pocket expenses when you need medical care. These plans are a middle ground, offering moderate premiums and cost-sharing. Individuals and families with moderate incomes can qualify for cost-sharing reductions, which lower the amount you have to pay for deductibles, copayments and co-insurance, making care more accessible and affordable when you need it.

Data filtered by:Results filtered by:
Age:
Age:40
AmbetterMonthly Cost$585Maximum Out-of-Pocket$9,100PlanStandard Silver
AmbetterMonthly Cost$592Maximum Out-of-Pocket$5,400PlanClear Silver
AmbetterMonthly Cost$597Maximum Out-of-Pocket$8,000PlanFocused Silver
AmbetterMonthly Cost$605Maximum Out-of-Pocket$8,500PlanComplete Silver
AmbetterMonthly Cost$607Maximum Out-of-Pocket$9,100PlanStandard Silver + Vision + Adult Dental

Cheapest Gold Plans in Nebraska

The most affordable plan in the Gold tier in Nebraska is the Clear Gold offered by Ambetter, with a monthly cost of $578.

The three most affordable Gold health plans available in Nebraska are:

  • Clear Gold from Ambetter ($578 per month)
  • Everyday Gold from Ambetter ($587 per month)
  • Standard Gold from Ambetter ($589 per month)

Gold plans are designed for customers who expect to use their health care plan frequently and prefer predictable costs. They offer a higher premium but lower out-of-pocket expenses when receiving medical care. These plans are particularly suitable for individuals or families who may require regular medical attention, such as those with chronic conditions or those who anticipate needing frequent health care services throughout the year.

Data filtered by:Results filtered by:
Age:
Age:40
AmbetterMonthly Cost$578Maximum Out-of-Pocket$8,700PlanClear Gold
AmbetterMonthly Cost$587Maximum Out-of-Pocket$7,500PlanEveryday Gold
AmbetterMonthly Cost$589Maximum Out-of-Pocket$8,700PlanStandard Gold
AmbetterMonthly Cost$601Maximum Out-of-Pocket$8,700PlanClear Gold + Vision + Adult Dental
AmbetterMonthly Cost$610Maximum Out-of-Pocket$7,500PlanEveryday Gold + Vision + Adult Dental

Cheapest Bronze Plans in Nebraska

The most affordable option in the Bronze tier for health insurance in Nebraska is the Medica Insure Bronze Standard plan from Medica, with a monthly cost of $576.

In Nebraska, the two most competitive Bronze health plans by cost are:

  • Medica Insure Bronze Standard from Medica ($576 per month)
  • HeartlandBlue Bronze 0% Coinsurance After Deductible 9450 NEtwork Blue from Blue Cross Blue Shield ($582 per month)

Bronze plans are designed to offer a balance between monthly premiums and out-of-pocket health care costs. They are ideal for individuals who want to keep their monthly expenses low and are comfortable with higher potential costs when accessing medical care. These plans are particularly suitable for those who are relatively healthy and do not expect to need extensive medical treatment throughout the year.

Data filtered by:Results filtered by:
Age:
Age:40
MedicaMonthly Cost$576Maximum Out-of-Pocket$9,450PlanMedica Insure Bronze Standard
Blue Cross Blue ShieldMonthly Cost$582Maximum Out-of-Pocket$9,450PlanHeartlandBlue Bronze 0% Coinsurance After Deductible 9450 NEtwork Blue

Cheapest Expanded Bronze Plans in Nebraska

The most affordable option in the Expanded Bronze tier in Nebraska is the Elevate by Medica Expanded Bronze Standard plan offered by Medica, with a monthly cost of $446.

Introducing the three most budget-friendly Expanded Bronze plans in Nebraska:

  • Elevate by Medica Expanded Bronze Standard from Medica ($446 per month)
  • Medica with CHI Health Expanded Bronze Standard from Medica ($459 per month)
  • Standard Expanded Bronze from Ambetter ($461 per month)

Expanded Bronze plans are designed for individuals who want lower monthly premiums and are comfortable with higher out-of-pocket costs. These plans are particularly suitable for those who do not expect to need frequent medical care and are willing to pay more when they do access health care services. Customers looking for the most basic level of coverage at a reduced rate often find Expanded Bronze plans to be an adequate choice.

Data filtered by:Results filtered by:
Age:
Age:40
MedicaMonthly Cost$446Maximum Out-of-Pocket$9,400PlanElevate by Medica Expanded Bronze Standard
MedicaMonthly Cost$459Maximum Out-of-Pocket$9,400PlanMedica with CHI Health Expanded Bronze Standard
AmbetterMonthly Cost$461Maximum Out-of-Pocket$9,400PlanStandard Expanded Bronze
MedicaMonthly Cost$466Maximum Out-of-Pocket$9,450PlanElevate by Medica Bronze Copay $0 PCP Office Visits
MedicaMonthly Cost$467Maximum Out-of-Pocket$9,450PlanMedica with CHI Health Bronze Copay + Adult Eye Exam

Cheapest Catastrophic Plans in Nebraska

Nebraska's most cost-effective Catastrophic tier health plan is the Secure plan offered by Oscar, available at a monthly cost of $358.

Catastrophic plans are ideal for customers seeking a balance between monthly premiums and out-of-pocket costs for health care services. These plans generally offer lower premiums compared to Silver or Gold plans, making them suitable for individuals who want coverage for significant health events without high monthly expenses. They are well-suited for those who do not expect to need frequent medical care but want some protection against high-cost emergencies or unforeseen medical issues.

Data filtered by:Results filtered by:
Age:
Age:26
OscarMonthly Cost$358Maximum Out-of-Pocket$9,450PlanSecure

Cheapest Health Insurance in Nebraska for Those With Low Income

Nebraskans earning 250% below the Federal Poverty Level are eligible for cost-sharing reductions on Silver health insurance plans, substantially lowering deductibles and out-of-pocket expenses.

The most affordable Silver plan for those earning between $14,580 and $21,870 is the Standard Silver plan by Ambetter, with a Maximum Out-of-Pocket cost of $1,800. The maximum out-of-pocket costs for the two most affordable plans are:

  • Standard Silver from Ambetter (Monthly Cost: $585, Maximum Out-of-Pocket: $1,800)
  • Clear Silver from Ambetter (Monthly Cost: $592, Maximum Out-of-Pocket: $550)

Cost-sharing reductions in Nebraska are available exclusively with Silver plans; the income figures pertain to single-person households and vary for larger households.

Data filtered by:Results filtered by:
Age:
Age:40
Annual Income:
Annual Income:$14,580 to $21,870 per year
AmbetterMonthly Cost$585Maximum Out-of-Pocket$1,800PlanStandard Silver
AmbetterMonthly Cost$592Maximum Out-of-Pocket$550PlanClear Silver
AmbetterMonthly Cost$597Maximum Out-of-Pocket$1,350PlanFocused Silver
AmbetterMonthly Cost$605Maximum Out-of-Pocket$1,700PlanComplete Silver
AmbetterMonthly Cost$607Maximum Out-of-Pocket$1,800PlanStandard Silver + Vision + Adult Dental
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are applied to Silver health insurance plans for eligible low to moderate-income individuals, making health care more affordable by lowering out-of-pocket costs. For instance, a 40-year-old with the "Standard Silver" plan from Ambetter without CSRs could face a Max Out of Pocket cost of $7,200. However, with 94% CSRs, the same plan's Max Out of Pocket significantly decreases to $1,800, clearly illustrating the cost-saving benefit. Eligibility for CSRs depends on income level relative to the Federal Poverty Level.

Cheapest Health Insurance in Nebraska by Plan Type

In Nebraska, the Health Maintenance Organization (HMO) is the most popular plan type. For those seeking affordable health plans, options beyond HMOs are also available, including Exclusive Provider Organization (EPO) plans.

The most affordable HMO plan in Nebraska is the Standard Silver from Ambetter, with a monthly cost that presents an economical choice for residents.

  • HMO: Standard Silver from Ambetter ($585 per month)
  • EPO: Elevate by Medica Silver Copay $0 PCP Office Visits from Medica ($610 per month)

EPO plans provide an alternative to HMOs, offering a network of providers and specialists without needing referrals for specialists' visits. With these two types of plans available, Nebraskans have options to suit their health care coverage needs.

Data filtered by:Results filtered by:
Age:
Age:40
Plan Type:
Plan Type:HMO
AmbetterMonthly Cost$585Maximum Out-of-Pocket$9,100PlanStandard Silver
AmbetterMonthly Cost$592Maximum Out-of-Pocket$5,400PlanClear Silver
AmbetterMonthly Cost$597Maximum Out-of-Pocket$8,000PlanFocused Silver
AmbetterMonthly Cost$605Maximum Out-of-Pocket$8,500PlanComplete Silver
AmbetterMonthly Cost$607Maximum Out-of-Pocket$9,100PlanStandard Silver + Vision + Adult Dental
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WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

In Nebraska, the most common health insurance plan type is the HMO or Health Maintenance Organization plan. Here are all the other plan types available in Nebraska:

  • EPO (Exclusive Provider Organization)

    • EPO plans typically require members to only use a network of doctors and hospitals and going outside this network usually means the services won't be covered except for emergencies.
    • While this can make EPO plans less flexible than others, it often results in lower premiums since the providers have agreed on the cost with the insurance company.
  • HMO (Health Maintenance Organization)

    • HMO plans also have a network of providers that members must use for their care to be covered, emphasizing primary care and a referral system for seeing specialists.
    • These plans usually have lower premiums and out-of-pocket costs but less flexibility in choosing health care providers and typically require a Primary Care Physician (PCP) referral to see specialists.

The full list of available plans in Nebraska includes variations of these types, with differences primarily in the flexibility of health care provider choice and cost management strategies.

Cheapest Health Insurance in Nebraska by County

Health insurance rates and availability of certain plans vary by county in Nebraska.

Comparing the most affordable plans in the largest and smallest counties by population shows this variation:

  • Douglas: Standard Silver from Ambetter ($542)
  • McPherson: Standard Silver from Ambetter ($678)

The following table details all available health insurance plans in each county in Nebraska.

Data filtered by:Results filtered by:
County:
County:Douglas
AmbetterMonthly Cost$542Maximum Out-of-Pocket$9,100PlanStandard Silver
AmbetterMonthly Cost$548Maximum Out-of-Pocket$5,400PlanClear Silver

Health Insurance Costs in Nebraska by Age and Metal Tier

Age plays a big role in health insurance costs. In Nebraska, an 18-year-old with a Silver plan pays about $476 every month. Meanwhile, a 60-year-old with the same Silver plan would pay around $1,415 monthly. The older person pays $939 more each month, which is a big difference.

Metal tiers tell you how costs are split. A 40-year-old with a Bronze plan pays around $579 a month. If they choose a Gold plan instead, the cost goes up to $691. That's $112 more every month for the Gold plan, which covers more medical expenses than the Bronze one.

Health Insurance Costs in Nebraska by Age and Metal Tier

What to Know About Health Insurance in Nebraska

MoneyGeek broke down all the health insurance options available in Nebraska. We explain private insurance choices in the marketplace, including Catastrophic, Bronze, Expanded Bronze, Silver and Gold plans. We also cover Medicaid and Medicare. We aim to help users understand their options and make smart choices for their health care needs.

Private Health Insurance in the Nebraska Marketplace

In Nebraska, the open enrollment period for purchasing private health insurance through the health insurance marketplace typically runs from November 1 to December 15 each year. During this time, residents can compare and select health plans for the upcoming year. If you miss this deadline, you may have to wait until the next open enrollment period to sign up for coverage unless you qualify for a Special Enrollment Period (SEP). SEPs can be triggered by specific life events such as marriage, divorce, birth or adoption of a child, loss of other health coverage or a move to a new coverage area, allowing you to enroll outside the standard period.

Medicaid in Nebraska

Medicaid is a joint federal and state program that provides health care coverage to eligible low-income individuals and families, including children, pregnant women, elderly adults and people with disabilities. In Nebraska, eligibility for Medicaid is based on income, household size and meeting specific criteria, such as being a resident of the state, a U.S. citizen or qualified non-citizen and having a Social Security number. Income thresholds for eligibility vary by group (such as children or pregnant women) and are set as a percentage of the Federal Poverty Level. Applications can be submitted through the AccessNebraska website or by other provided state resources.

Medicare in Nebraska

Medicare is a federal health insurance program primarily for individuals aged 65 or older, certain younger people with disabilities and individuals with end-stage renal disease or amyotrophic lateral sclerosis. In Nebraska, residents who meet these conditions are eligible. Medicare Part A covers hospital insurance, Part B provides medical insurance for services like doctor's visits and outpatient care and Part D covers prescription drugs. Medicare Advantage Plans (Part C) offer an alternative way to receive Medicare benefits through private insurers, often with additional benefits.

MoneyGeek found the best Medicare Advantage Plans in Nebraska and the best Medicare Supplement plans in Nebraska.

Nebraska Health Insurance FAQ

When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Nebraska to help you learn more.

What are the cheapest Silver and Gold plans in Nebraska for 2024?
What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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