Health Insurance Plans in Nebraska
Browse ACA Marketplace plans available to Nebraska residents on the federal exchange. 81 plans available for 2026. Starting from $439/month.
Lowest Monthly Premium
$439/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$548/mo
27 plans available
Avg Silver (Benchmark)
$713/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Omaha, NE
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$548/mo avg
from $439 – $772
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$713/mo avg
from $568 – $1070
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$733/mo avg
from $608 – $1056
Lowest-Premium Plans Available
Sample plans near Omaha — enter your ZIP for exact results
HeartlandBlue Bronze 6000 Blueprint Health w/ Adult Vision
Blue Cross and Blue Shield of Nebraska
$439/mo
Ded: $6,000
HeartlandBlue Bronze Standard 7500 Blueprint Health
Blue Cross and Blue Shield of Nebraska
$442/mo
Ded: $7,500
HeartlandBlue Bronze HSA 6500 Blueprint Health
Blue Cross and Blue Shield of Nebraska
$451/mo
Ded: $6,500
Standard Expanded Bronze
Ambetter Health
$485/mo
Ded: $7,500
Standard Expanded Bronze + Vision + Adult Dental
Ambetter Health
$497/mo
Ded: $7,500
UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals)
UnitedHealthcare
$509/mo
Ded: $10,600
Choice Bronze HSA
Ambetter Health
$526/mo
Ded: $7,250
UHC Bronze Standard (No Referrals)
UnitedHealthcare
$528/mo
Ded: $7,500
Elevate by Medica Bronze $0 Copay PCP Visits
Medica
$537/mo
Ded: $7,500
Choice Bronze HSA + Vision + Adult Dental
Ambetter Health
$539/mo
Ded: $7,250
Prices shown are for a 30-year-old near Omaha without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Nebraska?
Approximately 81 ACA Marketplace plans are available in Nebraska for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Nebraska?
For a 30-year-old without subsidies, the cheapest plan near Omaha starts at about $439/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Nebraska use HealthCare.gov?
Yes — Nebraska is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Nebraska averages $713/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Nebraska
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More Nebraska guides
Best plans in Nebraska Cheapest plans in Nebraska HSA-eligible plans in Nebraska