Nebraska Health Insurance

Updated on: November 10th, 2020

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Nebraska residents, who number about 1.9 million, receive health insurance through their employers, the private individual market and programs such as Medicaid, Children’s Health Insurance Program (CHIP), Medicare and Obamacare (the Affordable Care Act, or ACA).1

About half of residents of the Cornhusker State receive health insurance through their work and one in seven are covered by Medicare.2 

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Medicaid plays an essential role in Nebraska’s insurance picture, also covering one in seven residents. In late 2020, the state will expand Medicaid to cover all nonelderly adults under 138% of the federal poverty level

During 2019, about one of 20 state residents got their healthcare coverage through the federal  Health Insurance Marketplace, healthcare.gov. All these plans must include such essential health benefits as inpatient hospital care, prescription drug coverage and free preventive care.3

The percentage of uninsured Nebraskans dropped after Obamacare was introduced and has remained between 8% and 9% ever since.4

Read on to learn more about Nebraska’s health insurance landscape and how you can find a plan that’s right for you.

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When Can I Enroll in Nebraska’s Health Insurance Marketplace?

As mentioned above, under the ACA, people who live in Nebraska can buy coverage and possibly qualify for subsidies through the state’s Health Insurance Marketplace at the federal government’s website, healthcare.gov. The state certifies policies both within and outside the Marketplace to ensure they meet ACA standards.5 

Open enrollment for ACA’s Health Insurance Marketplace runs from November 1 to December 15 each year; your coverage will start the following January 1 and you’ll need to be sure to re-enroll each year to avoid a gap in coverage. 

If you miss the Open Enrollment Period (OEP), you’ll have to wait until the following year, unless you experience a sudden change in circumstances that triggers a Special Enrollment Period (SEP).6 Life events that qualify you for a SEP include losing your job, a birth or moving. 

More than 87,000 Nebraskans signed up for Marketplace health insurance during the 2020 OEP,7 up from 43,000 when Obamacare was first implemented.8

Which Companies Offer Plans on Nebraska’s Health Insurance Marketplace?

For 2021 plans, two health insurance companies offered policies on the Marketplace: Medica and Bright Health.9 

How Much Does Marketplace Health Insurance Cost in Nebraska?

Qualified plans available on and off the Marketplace are organized by levels of cost-sharing, referred to as “metal” tiers of gold, silver and bronze.

Since 2018, Nebraska health insurance premiums have dropped between 8% and 24%, depending on the tier. Below you’ll find the average a 40-year-old person would pay each month for bronze, silver and gold plans sold through the Nebraska Marketplace.10

Average Premiums for Nebraska Marketplace Plans (for a 40-year-old person)2018 2019 2020
Lowest-Cost Bronze Plan $568$522$468
Lowest-Cost Silver Plan $722$759$667
Lowest-Cost Gold Plan$804$645$613

The “benchmark” silver plan — which is the second-lowest-cost premium for a silver plan for a 40-year-old —  is used to calculate subsidies. 11 This benchmark, at $711 in 2020, has dropped by over 7% since 2018. 

What Are My Coverage Options in Nebraska If I’m Low-Income?

ACA Marketplace Plans (Obamacare)

If you earn between one to four times the federal poverty level (FPL), you can get help paying your monthly premiums.12 In 2020, a family of three would need to earn between $21,720 and $86,880 to qualify.13

The federal government provides subsidies for plans purchased through the Marketplace. About 96% of Nebraska enrollees received a subsidy as an Advanced Premium Tax Credit (APTC) to help pay their premium.14 Nebraska enrollees received an average of $828 in subsidies in 2019.15

Here are a couple of examples showing how subsidies can save you a lot in your healthcare costs, if you qualify:

  • A 28-year-old in Lincoln who earns $24,000 a year could get a 2020 silver plan for $122 per month after subsidies.16 The same policy would cost $574 per month without the premium tax credits that cover 79% of the cost.
  • A family of three in Omaha with an income of $50,000 a year could pay $322 per month after subsidies for a 2020 silver plan.17 This policy would cost $1,301 per month without the premium tax credits that cover 75% of the cost. 

If you earn between 100% and 250% of the FPL, purchase a silver plan on the Marketplace, and receive premium tax credits, you may also be eligible for Cost-Sharing Reductions (CSRs), which could lower your out-of-pocket costs even more. In 2019, 36% of Nebraska enrollees received CSRs.18

Medicaid & Children’s Health Insurance Program (CHIP)

As of March 2020, about 210,000 Nebraska residents were enrolled in Medicaid and 35,000 were enrolled in the Children’s Health Insurance Program.19 Together, they represent nearly 13% of the state’s population, a figure that hasn’t changed much since Obamacare was introduced in 2013.20

Nebraska provides Medicaid services through Heritage Health. Its members can choose from three statewide health plans: Nebraska Total Care, WellCare of Nebraska and UnitedHealthcare Community Plan of Nebraska.21 

Low-income children under the age of 19 have access to health insurance through the Children’s Health Insurance Program (CHIP), which covers certain uninsured children who do not qualify for Medicaid. In Nebraska, the program provides the same services as Medicaid.22 

Qualifying for Medicaid and CHIP assistance depends on your income and is calculated as a percentage of the FPL. Those percentages are:23

  • Parents: 63%
  • Pregnant women: 202%
  • Children: 218%
  • Seniors: 100%
  • People with a disability: 100%

You can check eligibility through ACCESSNebraska or call (855) 632-7633.

Medicaid Expansion

In 2018, Nebraska passed a law expanding Medicaid under the ACA to cover nearly all nonelderly adults under 138% of poverty. That expansion will take effect on October 1, 2020, and will over 90,000 Nebraskans. Due to the COVID-19 pandemic, however, the expansion will begin with basic programs and not the premium packages that include dental, vision and over-the-counter medications.24 

If you’re enrolled in Medicaid, a copayment between $1 and $15 may be required, depending on the service you receive.

Children age 18 or younger, former foster care youth and parents or caretakers may qualify for low- or no-cost Medicaid coverage, depending on how much you earn.

If you’re under 65 with a physical disability or visually impairment or 65 or older, you may qualify for a program that includes home- and community-based services that help with everyday activities.25

And if you’re pregnant, support is available for you and your baby if you earn up to twice the FPL and meet other criteria. Support includes pregnancy-related and postpartum services. In Nebraska, parents’ income must be below 63% of FPL to remain eligible for Medicaid after pregnancy coverage ends. 

What About Medicare Plans for Nebraska Seniors and People with Disabilities?

If you’re 65 or over, or younger with a disability, or have end-stage renal disease, you’re eligible for Medicare, a federal program that helps cover your healthcare costs. Fewer than one in five Nebraskans receive Medicare benefits. 

Each year, the Open Enrollment Period for Medicare runs from October 15 through December 7. 

Of Nebraska’s 344,000 beneficiaries, 13% chose private Medicare Advantage (Part C) plans and the rest chose the federal government’s Original Medicare program.26 Both plans provide Part A (hospital insurance) and Part B (medical insurance).

Medicare Advantage offers extra benefits: It provides Part D prescription drug coverage which, under Original Medicare, you would have to purchase separately. Seven companies offer Medicare Advantage plans in Nebraska.27

Over 236,000 people in the state purchased a Medicare Part D drug plan.28 In 2020, monthly plan premiums range from $13.20 to $89.60, while the average premium is $39.58.29

With Original Medicare, you can add Medicare Supplement Insurance (what’s called a Medigap policy) to cover the portion Medicare does not pay. There are 10 standardized Medigap plans. The benefits for each plan remain the same, but the premium you pay will vary with the company selling you a policy under that plan. For example, a Plan G policy at age 65 can cost from $86 to $282 monthly, depending on the company you choose.30

Nebraska’s Senior Health Insurance Information Program (SHIIP) offers free comparisons of your Medicare insurance options; for phone or in-person appointments, call (800) 234-7119. 

Medicare beneficiaries can also enroll in Medicaid. In 2017, 13% did so in Nebraska. That same year, 53,000 of those on Medicare with Part D prescription drug coverage qualified to receive help paying their monthly premiums and cost-sharing subsidies.31  

If you’re receiving Medicare and can’t afford your premiums, deductibles or coinsurance, Nebraska participates in three Medicare Savings Programs: Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB) and Qualified Individual (QI).32

Can I Buy Short-Term Health Insurance in Nebraska?

Nebraska offers what it calls “mini med” plans that follow federal rules for short-term health insurance. An initial temporary insurance policy can cover you for up to 364 days and can be renewed for a total of 36 months.33

Short-term health insurance can help fill temporary insurance gaps such as periods between jobs or between retiring and when you qualify for Medicare.

Keep in mind, though, that this type of insurance doesn’t offer the same comprehensive health coverage as ACA plans, such as preexisting conditions and preventive care.34 Be sure to check all disclosures and read any policy carefully to understand what coverage is and isn’t included. 

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  2. Kaiser Family Foundation. “Health Insurance Coverage of the Total Population. kff.org (accessed April 18, 2020).

  3. Kaiser Family Foundation. “State Health Care Snapshots: Nebraska.” kff.org (accessed April 18, 2020).

  4. Health Insurance Coverage of the Total Population.”

  5. Harris, Timothy F., FSA, MAAA, and Damler, Robert M., FSA, MAAA. “Nebraska Department of Insurance Affordable Care Act Impact Study.” November 20, 2015. (accessed April 18, 2020).

  6. U.S. Government Website for the Federal Health Insurance Marketplace. “Enroll in or change 2020 plans — only with a Special Enrollment Period.” healthcare.gov (accessed April 18, 2020).

  7. Nebraska Department of Insurance. “2019 Listening Sessions.” nebraska.gov (accessed April 18, 2020).

  8. Kaiser Family Foundation. “Marketplace Enrollment, 2014-2020.” kff.org (accessed April 18, 2020).

  9. 2019 Listening Sessions.”

  10. Kaiser Family Foundation. “Average Marketplace Premiums by Metal Tier, 2018-2020.” kff.org (accessed April 18, 2020).

  11. Kaiser Family Foundation. “Marketplace Average Benchmark Premiums.” kff.org (accessed April 18, 2020).

  12. Centers for Medicare & Medicaid Services. “APTC and CSR Basics.” cms.gov (accessed April 18, 2020).

  13. U.S. Government Website for the Federal Health Insurance Marketplace. “Federal Poverty Level (FPL).” healthcare.gov (accessed April 18, 2020).

  14. Kaiser Family Foundation. “State Health Care Snapshots: Nebraska.” kff.org (accessed April 18, 2020).

  15. Kaiser Family Foundation. “Estimated Total Premium Tax Credits Received by Marketplace Enrollees.” kff.org (accessed April 18, 2020).

  16. Kaiser Family Foundation. “Health Insurance Marketplace Calculator.” kff.org (accessed April 18, 2020).

  17. Health Insurance Marketplace Calculator.”

  18. 2019 Listening Sessions.”

  19. U.S. Government Website for Medicaid. “April 2020 Medicaid & CHIP Enrollment Data Highlights.” medicaid.gov (accessed April 18, 2020).

  20. Kaiser Family Foundation. “Total Monthly Medicaid and CHIP Enrollment.” kff.org (accessed April 18, 2020).

  21. Nebraska Department of Health and Human Services. “Heritage Health.” ne.gov (accessed April 18, 2020).

  22. Nebraska Department of Health and Human Services. “Medicaid Eligibility.” ne.gov (accessed April 18, 2020).

  23. State Health Care Snapshots: Nebraska.”

  24. Schulte, Grant. “Virus Forces Changes to Nebraska’s Medicaid Expansion Plan.” U.S. News & World Report, April 10, 2020. (accessed April 18, 2020).

  25. Nebraska Department of Health and Human Services. “Home and Community-Based Services.” ne.gov (accessed April 18, 2020).

  26. State Health Care Snapshots: Nebraska.”

  27. Centers for Medicare & Medicaid Services. “Prescription Drug Coverage – General Information.” cms.gov (accessed April 18, 2020).

  28. Cubanski, Juliette; Damico, Anthony and Neuman, Tricia. Medicare Part D in 2018: The Latest on Enrollment, Premiums and Cost Sharing, May 17, 2018. Kaiser Family Foundation. (accessed April 18, 2020).

  29. Prescription Drug Coverage – General Information.”

  30. Nebraska Department of Insurance. “Medicare Supplement Fact Sheet.” nebraska.gov (accessed April 18, 2020).

  31. State Health Care Snapshots: Nebraska.”

  32. Nebraska Department of Health and Human Services. “Income Levels, Federal Poverty Levels and Resources.” ne.gov (accessed April 18, 2020).

  33. U.S. Department of Labor, Employee Benefits Security Administration. “Short-Term, Limited-Duration Insurance.” federalregister.gov (accessed April 18, 2020).

  34. Nebraska Department of Insurance. “Short-Term Duration Medical Plan Filing Requirements.” Correspondence dated September 14, 2018. (accessed April 18, 2020).