Best Nebraska Health Insurance (2024 Plans)

Ambetter is the provider with the highest MoneyGeek score, an 83 out of 100, offering the best health insurance in Nebraska. The company provides plans with competitive prices and low out-of-pocket costs. It performs better than average in managing claim denials.

For this analysis, we looked at 29 Silver plans in Nebraska, which included 21 EPO plans and eight HMO plans.

Oscar has the highest score for health insurance with low out-of-pocket costs in Nebraska, earning a MoneyGeek score of 75 out of 100. It offers health plans with low monthly premiums and maximum out-of-pocket costs. It also doesn't deny many claims.

For this analysis, MoneyGeek looked at 25 plans in Nebraska, which were either Gold EPO or Gold HMO options.

Ambetter is the best cheap health insurance provider in Nebraska, earning a score of 91 out of 100. The provider offers plans with lower average rates and lower average out-of-pocket expenses. It also has fewer claim denials compared to other providers.

For this review, we looked at 29 Silver plans in Nebraska, including 21 Silver EPO plans and eight Silver HMO plans. We focused more on plans with cheap monthly costs. However, know that plans with lower monthly costs often mean you pay more yourself when you need care.

Ambetter offers the best health insurance in Nebraska for those with low income, scoring 91 out of 100. The company has lower-than-average rates for plans, low out-of-pocket maximums and a lower percentage of claim denials compared to competitors.

In Nebraska, we evaluated 21 Silver CSR EPO plans and eight Silver CSR HMO plans.

MoneyGeek focused more on plans with low monthly premiums that also offer cost-sharing reductions (CSRs). If you don't earn a lot of money, CSRs help by lowering the amount you pay when you use your insurance for doctor visits or getting medicine. Normally, a Silver plan pays for about 70% of health care costs, but CSR Silver plans can pay for more of your expenses.

• If you make between $27,180 and $33,975 a year, you can expect to have 73% of your health insurance costs covered.
• If you earn $20,385 to $27,180 a year, 87% of your costs should be covered.
• If you make less than $20,385 a year, you can expect to have 94% of your costs covered.

These income brackets will change if you have more or fewer people in your home.

Ambetter has the highest MoneyGeek score in Nebraska for young adults, scoring 83 out of 100. The provider offers plans with low prices and low out-of-pocket costs. It also has better-than-average claim denial rates.

We evaluated two Bronze EPO plans, one Catastrophic EPO plan and 23 Expanded Bronze EPO plans, along with eight Expanded Bronze HMO plans for this category. Note that only those under age 30 can get Catastrophic coverage.

Health insurance companies have different plan types. In Nebraska, residents can choose from eight Silver HMO plans and 21 Silver EPO plans. The best providers for all plan categories in Nebraska are:

• HMO: Ambetter (MoneyGeek score: 100 out of 100)
• EPO: Oscar (MoneyGeek score: 90 out of 100)

MoneyGeek's recommendations only use Silver plans. These plans are great if you need to use health services often. They help balance what you pay every month and what you pay out of pocket when you get health care.

National General Accident & Health offers the best short-term health insurance in Nebraska, receiving a MoneyGeek score of 95 out of 100. Short-term health insurance plans often have annual or lifetime coverage limits and may not cover pre-existing conditions. They also typically have higher premiums and less coverage than plans that comply with the Affordable Care Act (ACA). Because of this, they aren’t recommended as a long-term health insurance alternative.

When shopping for health insurance, remember that the best health insurance plan for you in Nebraska will depend on your individual health care needs and budget. Evaluate how much you’re willing to pay each month versus out of pocket for care.

Individuals in Nebraska who are aged 65 or older, as well as those with certain medical conditions, are eligible for Medicare. This is a federally-funded program that subsidizes the cost of health insurance for eligible individuals. Medicare is divided into three parts:

• Part A (Hospital Insurance): At no cost to policyholders, this covers inpatient hospital stays, hospice care and eligible home health care.
• Part B (Medical Insurance): Requires a monthly fee and covers medical costs for doctor visits, services, supplies and preventive care.
• Part D (Prescription drug coverage): Helps cover prescription drugs, including vaccines.

MoneyGeek’s guide can also help you find the best Medicare Advantage and best Medicare Supplement plans in Nebraska.

Medicaid is another government assistance program designed to offset the costs of health insurance for eligible individuals. Your income must be below 138% of the Federal Poverty Level to qualify for Medicaid in Nebraska. This makes it the most affordable health insurance option for those in a Medicaid extension state like Nebraska.

Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.