Summary: Best Health Insurance In Nebraska
Cheapest Health Insurance by Plan Type in Nebraska
Health insurance companies that sell health insurance policies on the Affordable Care Act (ACA) marketplace may offer four types of health plans. Nebraska insurers only offer two types: health maintenance organization (HMO) and exclusive provider organization (EPO) plans.
- Cheapest HMO in Nebraska: Ambetter from Nebraska Total Care
- Cheapest EPO in Nebraska: Blue Cross and Blue Shield of Nebraska
How Much Does Health Insurance Cost in Nebraska?
Health insurance costs in Nebraska will vary by age, location, metal tier chosen, smoking status and the plan type you choose. Your health and gender aren’t factors in premiums when you buy a health insurance policy from the Affordable Care Act marketplace.
Cost of an EPO Plan in Nebraska
Our evaluation found that the EPO average is $822/month in Nebraska. Here is the average premium for the top health insurance company in Nebraska.
| Company | EPO cost per month | Learn More |
|---|---|---|
| Blue Cross and Blue Shield of Nebraska | $837 | On Healthcare.com's Website |
Cost of Health Plans by Metal Tier in Nebraska
Silver health plans cost an average of $853/month in Nebraska. Here’s a look at prices for the top-scoring Nebraska health insurer in our evaluation.
| Company | Bronze or Expanded bronze plan cost per month | Silver plan cost per month | Gold plan cost per month | Learn More |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Nebraska | $681 | $899 | $943 | On Healthcare.com’s Website |
Average Cost of Bronze Plans in Nebraska at Age 27
ACA law allows children to stay on a parent’s health plan until age 26. After that, they may need their own plan from the state’s health insurance marketplace. Since younger people usually need less healthcare, we looked at average prices for bronze plans at age 27 in Nebraska. Overall, expect to pay an average of $469 a month for a bronze plan at age 27.
Average Cost of Silver Plans in Nebraska at Age 40
Silver plans are the most popular health plan tier and have an average cost of $730 a month for 40-year-olds in Nebraska. Here’s a look at the average costs by county.
Average Cost of Gold Plans in Nebraska at Age 60
Before you’re eligible for Medicare at age 65 you may be looking for a good health plan. Gold plans can be a smart choice for older people who may require more healthcare. The average cost for a Gold plan at age 60 in Nebraska is $1,622 a month. Here’s how average costs look in Nebraska counties.
How to Find the Best Health Insurance Coverage in Nebraska
Platinum Plans: Good for People Who Expect to Need Regular Healthcare
Platinum plans are the most expensive ACA marketplace plans and they’re also the most rare. Less than 10% of ACA plans are platinum plans, so there’s a good chance you might not even see them offered.
If a health insurance company in your region offers platinum plans, these types of plans may work for you if you need frequent healthcare and multiple expensive prescriptions. These plans have low health insurance deductibles and coinsurance, so you pay lower amounts when you get healthcare. But they also have the most expensive premiums, so you pay the most for your coverage each month.
Gold Plans: Good for People Who Need Lower Out-of-Pocket Costs
Gold plans have lower out-of-pocket costs than silver or bronze plans, but they come with higher health insurance premiums. If you expect to get regular healthcare, a gold plan could be a smart option since you will pay less when you receive care compared to a silver or bronze plan.
You’ll want to weigh the cost of premiums with the out-of-pocket costs like coinsurance and deductibles when you’re choosing an ACA plan.
Silver Plans: Good for People Who Are Looking to Balance Premiums and Out-of-Pocket Costs
If you don’t want very high deductibles but also don’t want to spend a fortune on premiums, a silver plan might be a smart option. Silver plans have lower out-of-pocket costs than bronze plans and lower premiums than platinum and gold plans, which make them a good middle ground.
Silver and bronze plans are the most common ACA plans offered, so you shouldn’t have a problem finding a silver plan in your region.
Bronze Plans: Good for People Who Need the Lowest Premiums
Bronze plans are an excellent option if you don’t use healthcare often and want the cheapest monthly premium payment. The downside is that bronze plans have higher out-of-pocket costs when you get healthcare.
If you want the cheapest health plans that still offer comprehensive coverage, a bronze plan could be a smart option.
Some health insurers also sell “expanded bronze” plans. These plans feature higher coinsurance levels for in-network costs (up to 65%) than standard bronze plans (average of 60%).
More: Bronze, Silver, Gold or Platinum Health Insurance
Catastrophic Plans: Good for Young People Who Don’t Plan to Need Healthcare
The ACA marketplace offers catastrophic health insurance to people under age 30 and those dealing with severe economic issues like homelessness. If you qualify for a catastrophic plan, you may like the low monthly premium but be prepared for the high out-of-pocket costs.
One thing that makes catastrophic plans different from other health plans is that they don’t have coinsurance. Instead, you pay an extremely high deductible when you receive care. Once you’ve paid that deductible, a catastrophic plan pays the rest of your in-network healthcare costs for the year.
Methodology
We analyzed Affordable Care Act marketplace health insurance companies in Nebraska to determine the best options. Our ratings are based on:
- Average premiums (30% of score): We calculated average premiums for health insurance companies that offer ACA plans in Nebraska. Averages were based on premiums for buyers ages 21, 27, 30, 40, 50 and 60. Source: HealthCare.gov.
- Complaints made to state insurance departments (30% of score): We used complaint data from the National Association of Insurance Commissioners.
- Average silver plan deductible (20% of score): The deductible is how much you have to pay for healthcare in a year before the health plan begins picking up a portion of the costs. Companies with health plans that had low deductibles got more points. Source: HealthCare.gov.
- Breadth of health plans (10% of score): Health insurance companies may offer up to four types of plan benefit designs (PPO, HMO, EPO and POS). We gave points to companies that offer more types of plans. Source: HealthCare.gov.
- Metal tier offerings (10% of score): The ACA marketplace has four metal tier levels. We gave points to companies that offered more tier options. Source: HealthCare.gov.
Read more: How Forbes Advisor Rates Health Insurance Companies
Find The Best Health Insurance In Nebraska
On Healthcare.com’s Website
