Best Cheap Health Insurance in Nebraska 2019

Find the Cheapest Health Insurance Quotes in Your Area

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Nebraskans can find affordable health insurance on the state exchange or through Medicaid, although the state has not yet expanded the Medicaid program. We researched all health plans available on the state exchange and found that, depending on where you live, either the Medica Insure Silver Copay or Medica with CHI Health Silver Copay was the cheapest Silver plan. Although the Medica Insure Silver Copay can be purchased in every county, Medica with CHI Health Silver Copay was the cheaper option when both were offered. Depending on the county you live in, your monthly premium will differ.

Cheapest Health Coverage by Metal Tier

To help you find a policy that fits your needs, we analyzed Nebraska health insurance plans by metal tier to find the cheapest policies. Although the plans listed in the table below may not be available in every county, they can provide a good starting point in comparing the monthly premium and out-of-pocket expenses you can expect from each metal tier.

Metal tierCheapest planDeductibleOut-of-pocket MaximumMonthly cost for 40-year-old
CatastrophicMedica with CHI Health Catastrophic$7,350$7,350$360
BronzeMedica with CHI Health Bronze HSA$6,000$6,650$486
Expanded BronzeMedica with CHI Health Bronze HSA Plus$2,600$6,650$517
SilverMedica with CHI Health Silver Copay$3,500$7,000$618
GoldMedica with CHI Health Gold Copay$1,000$5,000$687

Higher tiers of coverage will have lower out-of-pocket costs like deductibles, copays or coinsurance, but at the expense of higher monthly rates. For example, the cheapest Silver policy in Nebraska, Medica with CHI Health Silver Copay, has a monthly premium of $618 for a 40-year-old in Lancaster County with a deductible that's $2,500 higher than the Medica with CHI Health Gold Copay Plus. However, the monthly premium for the Gold plan would cost $69 more compared to the Silver plan.

In addition to coverage tiers, age will be an important factor in determining your monthly health insurance premium. Regardless of metal tier, monthly premiums will increase as you get older. As you can see below, a 40-year-old would pay on average 53% less for their health insurance coverage than a 60-year-old in Nebraska.

Average Monthly Cost of Health Insurance Plans by Metal Tier in Nebraska

Find the Cheapest Health Insurance Quotes in Your Area

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Finding the Best Health Insurance Coverage in Nebraska

The best health insurance plan in Nebraska will depend on the county you live in, as the availability of plans changes by county. And depending on where you live and which plan you choose, the monthly premium will differ. The monthly premiums for health plans in the Gold tier are typically more expensive than Silver and Bronze premiums. However, they offer significantly cheaper out-of-pocket expenses, like deductibles, copays and coinsurance. Plans in the Silver and Bronze tiers usually offer cheaper monthly premiums but high out-of-pocket expenses.

If you have high medical costs or recurring prescriptions, we recommend selecting a plan in a higher metal tier. However, if you're young and healthy and you can afford the higher cost sharing, a plan in a lower metal tier may be best for you.

Gold Plans: Best for High Expected Medical Costs

Gold plans are typically best if you use your insurance often because they have the lowest deductibles and copays. But you'll generally pay a higher monthly premium for a Gold plan. For example, a Gold plan in Nebraska has an average monthly premium of $862 for a 40-year-old, which is $93 higher than the average monthly premium of a Silver plan for a 40-year-old. However, the average deductible you would have to pay on a Gold plan is $2,500 lower than a Silver plan.

Silver Plans: Best for Those With Low Income or Average Medical Costs

Silver plans fall between Gold plans and Bronze plans in terms of premiums and out-of-pocket costs. We recommend you consider a Silver health insurance policy if you expect to have moderate health care costs during the year. However, a Silver plan stands out as a top choice if you are part of a low-income household. Low-income households may qualify for cost-sharing reduction (CSR) subsidies, which lower your out-of-pocket expenses and can be used with Silver plans. Typical Silver plans cover about 70% of your health care costs while you pay 30%. But with CSR subsidies, you could qualify for a Silver plan that covers up to 94% of your health care costs.

Bronze and Catastrophic Plans: Best for Young, Healthy People

Health plans in the lower metal tiers, Bronze and Catastrophic, provide the cheapest monthly premiums at the expense of having the most expensive cost sharing. Catastrophic plans have the lowest monthly premiums, but you must be under 30 or qualify for an exemption in order to purchase these plans. Bronze plans are open to everyone, but you'll pay higher out-of-pocket costs if you need medical care. We wouldn't recommend these policies unless you are young and healthy or can afford the higher deductibles, copays and coinsurance in the case of a medical emergency.

Expanded Bronze plans are a new plan tier that was introduced this year. This tier extends the coverage on a typical Bronze plan, which typically covers about 60% of your health care costs. The Expanded plans cover up to about 65% of your costs.

Best Cheap Health Insurance Companies in Nebraska

Although there are many options for health insurance plans, Nebraska is one of nine states to only offer one health insurance company on the state exchange: Medica Insurance Company. Even off the state exchange, Medica is the only health insurance company available to Nebraskans.

Cheapest Silver Health Plan by County

Despite having a single health insurer on the state exchange, Nebraska residents can choose from a variety of plans that differ by county. To help you find the best cheap health insurance policy for you and your family, we identified the most affordable Silver health insurance plans on the Nebraska exchange by county. The table below features the Silver policy with the lowest-cost monthly premium as well as sample rates for an individual, couple and family of three in your county.

CountyCheapest Silver planSingle adult, age 40Couple, age 40Couple, age 40, and child
AdamsMedica Insure Silver Copay$811$1,621$2,106
AntelopeMedica Insure Silver Copay$811$1,621$2,106
ArthurMedica Insure Silver Copay$827$1,654$2,149
BannerMedica Insure Silver Copay$827$1,654$2,149
BlaineMedica Insure Silver Copay$811$1,621$2,106
BooneMedica Insure Silver Copay$811$1,621$2,106
Box ButteMedica Insure Silver Copay$827$1,654$2,149
BoydMedica Insure Silver Copay$811$1,621$2,106
BrownMedica Insure Silver Copay$827$1,654$2,149
BuffaloMedica with CHI Health Silver Copay$730$1,459$1,896
BurtMedica with CHI Health Silver Copay$677$1,354$1,759
ButlerMedica with CHI Health Silver Copay$730$1,459$1,896
CassMedica with CHI Health Silver Copay$677$1,354$1,759
CedarMedica Insure Silver Copay$811$1,621$2,106
ChaseMedica Insure Silver Copay$827$1,654$2,149
CherryMedica Insure Silver Copay$827$1,654$2,149
CheyenneMedica Insure Silver Copay$827$1,654$2,149
ClayMedica Insure Silver Copay$811$1,621$2,106
ColfaxMedica with CHI Health Silver Copay$730$1,459$1,896
CumingMedica with CHI Health Silver Copay$730$1,459$1,896
CusterMedica Insure Silver Copay$811$1,621$2,106
DakotaMedica Insure Silver Copay$811$1,621$2,106
DawesMedica Insure Silver Copay$827$1,654$2,149
DawsonMedica Insure Silver Copay$811$1,621$2,106
DeuelMedica Insure Silver Copay$827$1,654$2,149
DixonMedica Insure Silver Copay$811$1,621$2,106
DodgeMedica with CHI Health Silver Copay$677$1,354$1,759
DouglasMedica with CHI Health Silver Copay$677$1,354$1,759
DundyMedica Insure Silver Copay$827$1,654$2,149
FillmoreMedica with CHI Health Silver Copay$618$1,236$1,606
FranklinMedica Insure Silver Copay$811$1,621$2,106
FrontierMedica Insure Silver Copay$827$1,654$2,149
FurnasMedica Insure Silver Copay$811$1,621$2,106
GageMedica Insure Silver Copay$687$1,373$1,784
GardenMedica Insure Silver Copay$827$1,654$2,149
GarfieldMedica Insure Silver Copay$811$1,621$2,106
GosperMedica Insure Silver Copay$811$1,621$2,106
GrantMedica Insure Silver Copay$827$1,654$2,149
GreeleyMedica Insure Silver Copay$811$1,621$2,106
HallMedica with CHI Health Silver Copay$730$1,459$1,896
HamiltonMedica Insure Silver Copay$811$1,621$2,106
HarlanMedica Insure Silver Copay$811$1,621$2,106
HayesMedica Insure Silver Copay$827$1,654$2,149
HitchcockMedica Insure Silver Copay$827$1,654$2,149
HoltMedica Insure Silver Copay$811$1,621$2,106
HookerMedica Insure Silver Copay$827$1,654$2,149
HowardMedica Insure Silver Copay$811$1,621$2,106
JeffersonMedica Insure Silver Copay$687$1,373$1,784
JohnsonMedica with CHI Health Silver Copay$618$1,236$1,606
KearneyMedica Insure Silver Copay$811$1,621$2,106
KeithMedica Insure Silver Copay$827$1,654$2,149
Keya PahaMedica Insure Silver Copay$811$1,621$2,106
KimballMedica Insure Silver Copay$827$1,654$2,149
KnoxMedica Insure Silver Copay$811$1,621$2,106
LancasterMedica with CHI Health Silver Copay$618$1,236$1,606
LincolnMedica Insure Silver Copay$827$1,654$2,149
LoganMedica Insure Silver Copay$827$1,654$2,149
LoupMedica Insure Silver Copay$811$1,621$2,106
MadisonMedica Insure Silver Copay$811$1,621$2,106
McPhersonMedica Insure Silver Copay$827$1,654$2,149
MerrickMedica Insure Silver Copay$811$1,621$2,106
MorrillMedica Insure Silver Copay$827$1,654$2,149
NanceMedica with CHI Health Silver Copay$730$1,459$1,896
NemahaMedica with CHI Health Silver Copay$618$1,236$1,606
NuckollsMedica with CHI Health Silver Copay$730$1,459$1,896
OtoeMedica with CHI Health Silver Copay$618$1,236$1,606
PawneeMedica with CHI Health Silver Copay$618$1,236$1,606
PerkinsMedica Insure Silver Copay$827$1,654$2,149
PhelpsMedica Insure Silver Copay$811$1,621$2,106
PierceMedica Insure Silver Copay$811$1,621$2,106
PlatteMedica Insure Silver Copay$811$1,621$2,106
PolkMedica Insure Silver Copay$811$1,621$2,106
Red WillowMedica Insure Silver Copay$827$1,654$2,149
RichardsonMedica Insure Silver Copay$687$1,373$1,784
RockMedica Insure Silver Copay$811$1,621$2,106
SalineMedica with CHI Health Silver Copay$618$1,236$1,606
SarpyMedica with CHI Health Silver Copay$677$1,354$1,759
SaundersMedica with CHI Health Silver Copay$677$1,354$1,759
Scotts BluffMedica Insure Silver Copay$827$1,654$2,149
SewardMedica with CHI Health Silver Copay$618$1,236$1,606
SheridanMedica Insure Silver Copay$827$1,654$2,149
ShermanMedica Insure Silver Copay$811$1,621$2,106
SiouxMedica Insure Silver Copay$827$1,654$2,149
StantonMedica Insure Silver Copay$811$1,621$2,106
ThayerMedica with CHI Health Silver Copay$618$1,236$1,606
ThomasMedica Insure Silver Copay$827$1,654$2,149
ThurstonMedica Insure Silver Copay$752$1,504$1,955
ValleyMedica Insure Silver Copay$811$1,621$2,106
WashingtonMedica with CHI Health Silver Copay$677$1,354$1,759
WayneMedica Insure Silver Copay$811$1,621$2,106
WebsterMedica Insure Silver Copay$811$1,621$2,106
WheelerMedica Insure Silver Copay$811$1,621$2,106
YorkMedica Insure Silver Copay$687$1,373$1,784

Average Cost of Health Insurance by Family Size in Nebraska

The cost of health insurance for your family in Nebraska will be determined by coverage tier, the number of people covered and their ages. If you add children to your health insurance plan, each child will cost a flat rate for coverage until they are 15. After they turn 15, the monthly rate will increase as they grow older. For instance, the average monthly health insurance cost for a family of three, assuming two 40-year-old parents and a child on a Silver plan, is $1,998. If you were to add another child to the plan, the monthly premium would increase by $460. So for a family of four, the total monthly premium would be $2,458.

Family sizeAverage monthly cost of health plan
Single adult$769
Adult couple$1,537
Family of three (adult couple and a child)$1,998
Family of four (adult couple and two children)$2,458
Family of five (adult couple and three children)$2,918
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Nebraska.

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.