There are many programs in place to help low-income Nebraskans afford health insurance. Nebraska has opted for a federally-run exchange instead of a state-run marketplace – this means the federal government runs most aspects of it. However, the state government still oversees the participating health plans.
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How to Buy Health Insurance in Nebraska
You can compare plans and purchase health insurance in Nebraska at www.healthcare.gov.
How to Apply for Health Insurance in Nebraska
Go to www.healthcare.gov to apply for health insurance in Nebraska. The exchange is federally run in Nebraska rather than state-run.
Health Insurance Carriers In Nebraska
There are four health insurance carriers offering plans on the exchange in Nebraska: Bright
Medica, Oscar, and Ambetter from Nebraska Total Care.
Nebraska Health Insurance Costs Overview
Four tiers of health insurance coverage are available in Nebraska – Gold, Silver, Expanded Bronze, and Catastrophic.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Nebraska?
In 2025, the average benchmark monthly health insurance premium in Nebraska for a 40-year-old is $600.
What is the Cheapest Health Insurance Plan in Nebraska?
The cheapest health insurance plan in Nebraska is the one that suits your needs the best. Contact us today to find the plan that works for you!
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Cheapest Nebraska Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Nebraska in 2025 was $590.
Silver Plans
The average lowest cost premium of a Silver Plan in Nebraska in 2025 was $595.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $465.
Other Types of Nebraska Health Insurance Coverage
Catastrophic Health Insurance in Nebraska
Catastrophic health insurance plans are available for purchase in Nebraska and offer the cheapest rates of all the tiers.
Short Term Health Insurance in Nebraska
Short-term health insurance plans are available for purchase in Nebraska. These short-term plans can last up to 364 days. Medica is offering a short-term plan in conjunction with the Farm Bureau designed for farmers.
Low Income Health Insurance in Nebraska
Nebraska offers many plans to help its low-income residents afford health insurance plans. The Nebraska Medicaid program is available to lower-income individuals and families through the state and federal government. There is also Nebraska Family Health Services to serve infants, children, and adolescents.
Finally, the state also offers a program through the Nebraska Office of Minority Health Services to reduce disparities in health status among different races.
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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D