Affordable Health Insurance in Nebraska

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Best Health/Medical Insurance Plans Nebraska

Nebraska is nicknames as the Cornhusker State because a large amount of corn is produced in the state. This is the 16th largest state of America in terms of area but when it comes to the health of its people, the state is in the top half at number 22. Though, this not too good or bad but residents still need to improve upon their health.

Nebraska has federally facilitated health insurance exchange with a marketplace plan management model where the state handles different aspects of the health plans that are available for sale through the exchange. Nebraska’s Healthcare marketplace offers the most affordable health plans for its residents, because insurance companies offering plans through the exchange have to follow certain guidelines set by the state. As per the guidelines, insurance carriers cannot deny coverage, or change plan rates depending on someone’s health conditions.

Top Health Insurance plan in Nebraska

  • Medica

    Medica with CHI Health Bronze Copay

    premium $294.01/mo

    Deductible $7000/yr

    Insurance Type EPO
    HSA Eligible No
  • Medica

    Medica with CHI Health Bronze Share

    premium $298.67/mo

    Deductible $4200/yr

    Insurance Type EPO
    HSA Eligible No
  • Medica

    Medica with CHI Health Bronze Share Plus

    premium $299.15/mo

    Deductible $2300/yr

    Insurance Type EPO
    HSA Eligible No
  • Medica

    Medica with CHI Health Bronze HSA

    premium $322.35/mo

    Deductible $6700/yr

    Insurance Type EPO
    HSA Eligible Yes
  • Bright HealthCare

    Statewide Bronze 8550

    premium $383.2/mo

    Deductible $8550/yr

    Insurance Type EPO
    HSA Eligible No

So, anyone with pre-existing or chronic health conditions will definitely find an affordable health plan in Nebraska. The other benefits residents of this state enjoy while enrolling through Nebraska’s health exchange is that they may qualify for subsidized coverage. Besides this, depending upon their income and household size they may also get government subsidies or premium tax credits that can help them save great amount of money. Medica was the only insurer in Nebraska’s exchange in 2018, but Bright Health has plan to join the exchange statewide, for offering 2020 coverage.

Highlights and Updates of Nebraska Health Exchange

  • Open enrollment in Nebraska run from November 1 to December 15, 2019 for 2020 coverage.
  • Nebraska’s health exchange had one insurer in 2018 but there will be two insurance companies in 2020.
  • Bright Health is joining the Nebraska exchange for offering coverage in 2020 and will be joining Medica.
  • Short term plans are available in Nebraska health marketplace with initial plan terms of up to 364 days.
  • The enrollment rate minutely dropped for 2019 coverage with less than 1% drop.
  • For 2020 coverage Medica has proposed an average rate decrease of 5.4%.
    Enrollees who receive subsidies on premiums, paid lower premiums in 2018 and even lower premiums in 2019.
  • After increasing in 2018, the enrollment rate of the state dropped less that 1% in 2019.

Individual and Family Health Plans in Nebraska

Right from individuals and families to children and adults to healthy and sick, finding an affordable Nebraska health insurance plan is among the vital financial protection and assets that residents can have. Residents of Nebraska certainly look out for the plan that works for them and their family. Just like any other state, health insurance in Nebraska is greatly influenced by the economy and with the low unemployment rates and with the relative economic prosperity allow residents to seek health coverage on the individual market. As Nebraska resident you can buy health plans offered to individuals and families either through private providers or providers participating in Nebraska through the federal exchange. However, the following types of health plans are available for individuals and families in Nebraska.

Preferred Provider Organizations (PPO)

Nebraska residents who want freedom and flexibility in their health plan may choose PPO plans in which members have access to a network of healthcare providers, who have agree to participate in the PPO plan. Though, members of the plan also have the option to obtain healthcare from outside the network service provider but staying within the network will have lower out-of-pocket costs. In this plan members are not required to select a Primary Care Physician or obtain a referral from their PCP to visit any specialist. Though, some of the PPO plans may expect the members to meet a deductible before paying their part of coverage.

Health Maintenance Organization

In HMO plans individuals are required to select a Primary Care Physician to manage their healthcare and to provide referrals to specialist in case if it is required. For each visit to the doctor or other health care provider, the plan typically charge a fixed copayment. Along with the copayment there may be a low or no deductible, as it basically depends upon the type of HMO plan. The members of this plan are required to obtain healthcare services from the HMO’s network of doctors and hospitals otherwise stated in the plan.

High Deductible Health Plans with Health Savings Account

The high deductible plans have lower monthly premiums but higher deductibles so these plans give members more control over their out-of-pocket expenses. These plans are usually combined with Health saving Accounts, which is a private account that allows members to keep aside either pretax funds that are interest free or tax deductible funds. These funds may be used to cover the healthcare costs. Interest earn is tax-deferred and any unused funds roll over from year to year.

Flexible Spending Accounts

Individuals in Nebraska are allowed to make tax-free contributions of up to $2,500 per year to an FSA as per Affordable Care Act provisions. These funds can be used to pay out-of-pocket healthcare expenses that are not covered by the health plan. These expenses may include over-the-counter preparations, devices and equipment, though people will need a prescription for OTC item and need to submit an itemized receipt in order to qualify for the tax deduction.

Fee-For-Service (FFS)

In the FFS plan members are free to visit doctor of their choice and can later on file for their claims. Even their healthcare provider can file claim on their behalf. In this health plan the medical professionals are paid for the medical services provided to the patient.


This individual health plan comes with the combine qualities of the PPO and HMO plans. The benefit under this plan vary depending on the fact that whether the members receive healthcare within the network or outside the network. In this plan also members need to choose a Primary Care Physician like an HMO plan and need a referral to visit a network specialist when required. Despite having a network of providers, members may receive health care from outside the network but have to bear greater out-of-pocket costs.

Short-term Health Plans in Nebraska

Short-term health plans in Nebraska were limited by the federal regulations to not more than three months and these plans were prohibited from renewal. However, Trump administration changed this rule in late 2018 and allowed short-term plans to have initial terms of up to 364 days and can be renewed up to 36 months. The short-term plans should be filed with the Nebraska Department of Insurance and must cover state-mandated benefits and comply with the state’s internal and external appeal requirements.

The best part of short-term plan is that the plan is affordable, though benefits covered are usually related to emergency care. This means that these plans work for individuals who don’t require regular medical care like frequent visit to the doctor or expensive prescriptions. Purchasing a short-term plan in Nebraska will make individuals ineligible for any guaranteed issue individual health plan like HIPAA or COBRA plan, if they recently lost group health coverage. Short-term plans also do not cover pre-existing medical conditions or several benefits that are offered by comprehensive plans like minimum essential benefits offered by qualified health plans under the Affordable Care Act. These plans also do not guarantee renewal so if any condition develops to individuals while being on this plan then it will prevent them from renewal of the plan.

Dental Plans in Nebraska

Dental plans in Nebraska are available for individuals and families at low monthly cost that allow them lower the dental care costs when they visit the dentist while having either dental insurance or discount dental plan.

Dental insurance plan are excellent option for individuals and families who want traditional dental insurance that discounts on several dental procedures. These dental plans have no waiting periods, low lifetime deductibles, flexibility to visit in network or out network dentist and have an extensive nationwide dental network.

Discount dental are low cost plans in Nebraska that allow members to save 20% to 60% on a wide range of dental plan services like root canals, cleanings, dentures, and Orthodontics for children and adults. Discount dental plans also have no waiting period, no limit on use, no restrictions, no age limits and this plan also have extensive network of dentists along with orthodontics for both children and adults.

Insurance Carriers in Nebraska

Medica was the only insurance carrier offering coverage in the year 2019 and the company will continue offering coverage through the Nebraska exchange even in 2020. However, Bright Health is the other insurance carrier that will be joining the exchange statewide, for offering 2020 coverage. Thus, the two insurance carriers of Nebraska include:

  • Medica
  • Bright Health

Nebraska Health Insurance FAQ

As a Nebraska resident, you are required to have health insurance as per the Affordable care Act that requires every citizen to have at least minimum essential coverage. Though some states have developed their own health insurance requirements outside the ACA, but Nebraska is not one of those states. therefore, residents of Nebraska won’t have to pay a federal tax penalty if they won’t have a health insurance plan. However, residents of the state still have to report their coverage status on their federal tax return.
The open enrollment period for 2021 health plans in Nebraska will runs from November 1, 2020, to December 15, 2020. Residents of the state who are looking to enroll in a new health plan or wish to make changes in their current plan can make use of this open enrollment period. Outside this open enrollment window, residents will not be allowed to enroll in a health plan and they will have to wait for another one year to enroll in a health plan in the next enrollment period. Only residents with qualifying events are allowed to enroll outside the open enrollment window, i.e. during the special enrollment period.
Yes, short-term health plans are available for sale in Nebraska, and the state adheres to the new federal rules on short-term health plans. Thus, short-term health plans are available for terms of less than 12 months that is exactly as per the new federal rules on short-term health insurance plans. However, the state does require short-term plans sold in the state to be filed with the insurance department and to provide coverage for the state-mandated benefits, and the plans should comply with the state’s internal and external appeal requirements.
Residents of Nebraska can find affordable health insurance either on the state exchange or through Medicaid, though the state’s expansion of the Medicaid program has yet to take effect. The average cost of health insurance for a 40-year old is $648 per month. After researching all health plans available on the state exchange it was found that the Silver 9 plan offered by Bright Health insurance carrier is the cheapest plan in almost all of the counties of Nebraska and in some of the counties, the Medica with CHI Health Silver Copay is the most affordable plan.
After analyzing all the health plans available in the Nebraska state, the cheapest health insurance plan by metal tier in 2020 are:

  • The cheapest Catastrophic health plan for a 40-year old is the Medica with CHI Health Catastrophic
    plan having a monthly premium of $278.
  • The cheapest Bronze health plan for a 40-year old is the Bronze 1 plan having a monthly premium of
  • The cheapest Expanded Bronze health plan for a 40-year old is the Medica with CHI Health Bronze Copay
    plan having a monthly premium of $379.
  • The cheapest Silver health plan for a 40-year old is the Medica with CHI Health Silver Copay plan
    having a monthly premium of $554.
  • The cheapest Gold health plan for a 40-year old is the Medica with CHI Health Gold Copay plan having a
    monthly premium of $499.
  • Currently, the two health insurance carriers that are offering health insurance plans in Nebraska through the Nebraska health insurance marketplace are:

  • Medica
  • Bright Health
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