Best Health Insurance Plans In Nebraska

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Compare Health Insurance Plans in Nebraska

Looking for health care in the Cornhusker State? Good news: Nebraskans have plenty of health insurance options. According to US News, Nebraska has the 19th best health care in the nation. That study looks at access, quality, and good public health.

Health Care Choices in Nebraska

There are several ways for NE residents to access health care in their state:

  1. Employer-provided
    1. From your employer
    2. Through your spouse's employer
    3. Through COBRA
  2. Individual or family plans
    1. Through HealthCare.gov
    2. Directly from a health insurance company
  3. Government-assisted
    1. Medicare
    2. Medicaid

Where do most Nebraska residents get their health insurance coverage?

Nebraska Health Insurance Sources
Sources Percent
Employer-Provided 55%
Individual or family 7%
Medicaid 13%
Medicare 15%
Other Public Care 2%
Uninsured 7%
Source: Kaiser Family Foundation, Health Insurance Coverage of the Total Population

Seven percent of Nebraskans are uninsured, lower than the national average. That’s great news for policyholders. A high percentage of uninsured people raises rates for insured people.

Nebraska Health Insurance Costs and Rate Factors

NE residents spend an average of $8,412 on health care per year, a few hundred dollars above the national average. How much should you expect to pay for health insurance in Nebraska? Monthly premiums vary person to person, but are based primarily on these factors:

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Body Mass Index

According to the CDC, a high body mass makes you more likely to suffer from numerous health conditions. That’s why health insurance companies analyze you BMI when determining your risk-level. A higher BMI often means higher insurance rates.

In 2016, NE had a 32 percent obesity rate, the 13th highest rate in the country. Out of the many state residents who used QuoteWizard to compare health insurance plans, 36 percent of shoppers have a BMI in the obese range.

Tobacco Use

Smokers pay more for health insurance because of the health conditions caused by tobacco use. About 17 percent of Nebraskans are smokers, the 23rd lowest rate in the country.

Age

According to HealthCare.gov, health care costs up to three times more for older people than younger people. State residents who used QuoteWizard to shop for health insurance are, on average, 38 years old.

Plan Type

Marketplace plans come in metal tiers: bronze, silver, gold, and platinum. The more coverage you want, the more you’ll have to pay in monthly premiums.

So, how much should you expect to pay every month in NE? These are the average prices for a middle-aged resident in your state in 2018:

Nebraska Martketplace Plan Rates
Bronze Silver Gold
$568 $722 $5804
Source: Kaiser Family Foundation, Change in Average Marketplace Premiums by Metal Tier

Premiums for a gold plan cost about 42 percent more than a bronze plan. That’s because gold plans cover 80 percent of medical costs, whereas bronze plans cover 60 percent.

You may also qualify for a catastrophic plan, the lowest level of coverage available in your state’s marketplace. Catastrophic plans have low monthly premiums, but a yearly deductible of $7,150. Because of this, you may save money by investing in a bronze or silver plan if you actually use your health insurance.

Location

Where you live plays a large role in the cost of your health insurance. That’s because every state has different health care rules, regulations, and companies.

Also, health insurance companies use community-rating to determine prices. So, rates are based in part on the combined claims that everyone files. If your community files an unusually high number of claims, your rates may increase.

That’s why the overall health of your state matters. According to America’s Health Rankings, NE is the 13th healthiest state in the country.

Nebraska Health Insurance Companies

There are a few options for providers in your state. These companies offer individual and family plans in NE:

Nebraska Health Insurance Laws

The Affordable Care Act limits health insurance providers from using certain factors to price your policy.

There's a limit to how much you’ll pay out-of-pocket for a marketplace plan. In 2018, the out-of-pocket maximum is $7,350 for an individual plan and $14,700 for a family plan.

NE law requires health insurance companies to offer at least some coverage for the following services:

  • Mental health conditions
  • Off-label drugs for cancer and HIV/AIDS
  • Diabetes coverage
  • Childhood immunizations
  • Cancer screenings
  • Diabetes education
  • Breast reconstruction

There are additional services that providers need to offer. Find the full list at cms.gov.

Medicare and Medicaid in Nebraska

Medicare and Medicaid are both government-funded health care programs. Medicare covers seniors, and Medicaid helps low-income families and children.

Medicare

Medicare offers affordable coverage to people 65 and older. There are several coverage options within the program, including parts A, B, C, D, and supplemental coverage plans. You may also qualify for a Medicare Savings Program:

Qualified Medicare Beneficiary (QMB):

  • Single person with a monthly income below $798.
  • Couple with a monthly income below $1,070.

Specified Low-Income Medicare Beneficiary (SLMB):

  • Single person with a monthly income below $957.
  • Couple with a monthly income below $1,283.

Qualified Individual 1 (QI-1):

  • Single person with a monthly income below $1,077.
  • Couple with a monthly income below $1,444.

Qualified Disabled Working Individual (QDWI):

  • Single person with a monthly income below $1,595.
  • Couple with a monthly income below $2,139.

Medicaid

Medicaid is meant for low-income families and children. These are the state’s Medicaid financial requirements:

Nebraska Medicaid Financial Requirements
Household Size Maximum Yearly Income
1 $16,146/td>
2 $21,892
3 $27,637
4 $33,383
5 $39,129
6 $44,874
7 $50,620
8 $56,365

Nebraska Department of Insurance

Website:
Homepage
Insurance Commissioner:
Bruce R. Ramge
Insurance Hotline:
(877) 564 – 7323
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

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