ACA plans available
81
Plan year 2026
CMS Marketplace county · plan year 2026
Douglas, Nebraska ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $658
- Silver avg/mo
- 81
- ACA plans
- 5
- Issuers
- +22.2%
- YoY premium
Silver avg $658/mo
Douglas, Nebraska has 81 ACA marketplace plans from 5 issuers (plan year 2026). Average Silver premium is $658/mo; Bronze averages $506/mo and Gold $676/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #808 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $526/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Douglas, Nebraska ranks #808 of 2,055 counties by listed Silver average ($658/mo) and #166 of 2,055 by plan count (81 plans).
- #808 of 2,055
- Silver average among 2,055 counties
- $658
- Listed Silver average /mo
- #166 of 2,055
- Plan count among 2,055 counties
- 81
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Douglas, Nebraska offers 81 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $405/mo and Silver plans start at $525/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$658
Avg Silver Premium/mo
$526
Benchmark Premium/mo
+22.2%
Year-over-Year Change
$4,649
Avg Deductible
Dense plan inventory
Douglas marketplace standing
81 plans put Douglas in the densest third of county ACA inventories. Corpus place #808 of 2055 (highest Silver = #1).
Mid-pack Silver avg $658/mo with 81 plans in the densest third of county inventories. YoY average shift: +22.2%. Every plan sold in Douglas is EPO -- there's no alternative network type in this county, so weigh EPO's referral rules and out-of-network coverage before enrolling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
27 plans$506/mo avg
$405 - $713
Silver
29 plans$658/mo avg
$525 - $988
Gold
25 plans$676/mo avg
$562 - $976
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Douglas is $526/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference.
Issuers in market
5
Competitive market
Benchmark Silver
$526 /mo
Sets your subsidy ceiling
Avg deductible
$4,649
Across all metal tiers
B
Marketplace Access Score
70/100
Douglas
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability F
$526/mo
Benchmark Silver premium; rank #808 of 2055 tracked counties (cheapest first)
Plan Choice A+
81 plans
ACA marketplace plan count; rank #166 of 2055 tracked counties (most first)
Issuer Competition A-
5 issuers
Distinct marketplace issuers; rank #311 of 2055 tracked counties (most first)
Cost Predictability A
$4,649
Average deductible across tracked plans; rank #1748 of 2055 tracked counties (lowest first)
Douglas ACA plans by premium and deductible
Each marker is the Douglas average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Douglas ACA marketplace plans: premium vs deductible
How Douglas's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Douglas vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$658 808th of 2055 higher than 1,244 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Douglas
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Medica | 21 | $679/mo |
| Blue Cross and Blue Shield of Nebraska | 20 | $567/mo |
| Ambetter Health | 16 | $566/mo |
| UnitedHealthcare | 14 | $627/mo |
| Oscar Insurance Company | 10 | $624/mo |
All Plans in Douglas
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | EPO | $470.01 | $573.16 | $10,600 | $10,600 |
| HeartlandBlue Bronze 6000 Blueprint Health w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $404.98 | $493.86 | $6,000 | $10,600 |
| HeartlandBlue Bronze Standard 7500 Blueprint Health Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $408.11 | $497.68 | $7,500 | $10,000 |
| HeartlandBlue Bronze HSA 6500 Blueprint Health Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $416.84 | $508.33 | $6,500 | $8,050 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | EPO | $448.18 | $546.54 | $7,500 | $10,000 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $458.86 | $559.56 | $7,500 | $10,000 |
| Choice Bronze HSA Ambetter Health | Expanded Bronze | EPO | $485.92 | $592.56 | $7,250 | $7,250 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $487.07 | $593.96 | $7,500 | $10,000 |
| Elevate by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | EPO | $495.53 | $604.28 | $7,500 | $10,600 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $497.50 | $606.69 | $7,250 | $7,250 |
| HeartlandBlue Bronze 6000 Premier Select BlueChoice w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $498.42 | $607.81 | $6,000 | $10,600 |
| Elevate by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $501.34 | $611.36 | $7,500 | $10,000 |
| HeartlandBlue Bronze Standard 7500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $502.28 | $612.51 | $7,500 | $10,000 |
| Bronze Classic Oscar Insurance Company | Expanded Bronze | EPO | $503.87 | $614.45 | $7,750 | $10,600 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $509.51 | $621.33 | $0 | $10,600 |
| Elite Bronze Ambetter Health | Expanded Bronze | EPO | $510.40 | $622.42 | $0 | $10,500 |
| HeartlandBlue Bronze HSA 6500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $513.02 | $625.61 | $6,500 | $8,050 |
| Elevate by Medica Bronze Premier Medica | Expanded Bronze | EPO | $515.79 | $628.99 | $2,000 | $10,600 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $522.28 | $636.91 | $0 | $10,600 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $522.57 | $637.25 | $0 | $10,500 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $531.23 | $647.82 | $7,500 | $10,000 |
| Medica with CHI Health Bronze $0 Copay PCP Visits + Adult Eye Exam Medica | Expanded Bronze | EPO | $534.22 | $651.47 | $7,500 | $10,600 |
| Medica with CHI Health Expanded Bronze Standard + Adult Eye Exam Medica | Expanded Bronze | EPO | $540.48 | $659.10 | $7,500 | $10,000 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $541.14 | $659.90 | $5,500 | $10,150 |
| Medica with CHI Health Bronze Premier + Adult Eye Exam Medica | Expanded Bronze | EPO | $556.06 | $678.10 | $2,000 | $10,600 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $569.11 | $694.01 | $0 | $10,600 |
| Medica Insure Expanded Bronze Standard Medica | Expanded Bronze | EPO | $713.18 | $869.70 | $7,500 | $10,000 |
| HeartlandBlue Silver Standard 6000 Blueprint Health Blue Cross and Blue Shield of Nebraska | Silver | EPO | $524.90 | $640.10 | $6,000 | $8,900 |
| HeartlandBlue Silver $0 PCP Visit 4500 Blueprint Health Blue Cross and Blue Shield of Nebraska | Silver | EPO | $526.36 | $641.88 | $4,500 | $9,500 |
| HeartlandBlue Silver 4000 Blueprint Health Blue Cross and Blue Shield of Nebraska | Silver | EPO | $537.18 | $655.07 | $4,000 | $8,000 |
| HeartlandBlue Silver HSA 5500 Blueprint Health w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Silver | EPO | $556.95 | $679.19 | $5,500 | $6,000 |
| Standard Silver Ambetter Health | Silver | EPO | $584.04 | $712.21 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | EPO | $589.89 | $719.35 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | EPO | $597.96 | $729.19 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | EPO | $603.94 | $736.49 | $6,300 | $8,400 |
| HeartlandBlue Silver Standard 6000 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Silver | EPO | $646.01 | $787.79 | $6,000 | $8,900 |
| HeartlandBlue Silver $0 PCP Visit 4500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Silver | EPO | $647.81 | $789.99 | $4,500 | $9,500 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $656.90 | $801.07 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | EPO | $660.16 | $805.05 | $3,500 | $8,900 |
| HeartlandBlue Silver 4000 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Silver | EPO | $661.13 | $806.22 | $4,000 | $8,000 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $664.92 | $810.85 | $6,000 | $8,900 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $665.15 | $811.12 | $5,750 | $9,600 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | EPO | $666.48 | $812.75 | $6,500 | $10,000 |
| Elevate by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $667.74 | $814.29 | $3,500 | $10,450 |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company | Silver | EPO | $667.78 | $814.34 | $6,000 | $10,150 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $669.64 | $816.61 | $6,000 | $8,900 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $672.94 | $820.63 | $3,500 | $8,900 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $673.42 | $821.21 | $0 | $10,600 |
| Elevate by Medica Silver Share Medica | Silver | EPO | $685.10 | $835.45 | $3,525 | $8,850 |
| HeartlandBlue Silver HSA 5500 Premier Select BlueChoice w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Silver | EPO | $685.46 | $835.90 | $5,500 | $6,000 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $686.16 | $836.75 | $0 | $10,600 |
| Elevate by Medica Silver Standard Medica | Silver | EPO | $694.45 | $846.86 | $6,000 | $8,900 |
| Medica with CHI Health Silver $0 Copay PCP Visits + Adult Eye Exam Medica | Silver | EPO | $719.88 | $877.87 | $3,500 | $10,450 |
| Medica with CHI Health Silver Share + Adult Eye Exam Medica | Silver | EPO | $738.59 | $900.68 | $3,525 | $8,850 |
| Medica with CHI Health Silver Standard + Adult Eye Exam Medica | Silver | EPO | $748.68 | $912.98 | $6,000 | $8,900 |
| Medica Insure Silver Standard Medica | Silver | EPO | $987.90 | $1,204.71 | $6,000 | $8,900 |
| HeartlandBlue Gold Standard 2000 Blueprint Health Blue Cross and Blue Shield of Nebraska | Gold | EPO | $561.63 | $684.89 | $2,000 | $8,200 |
| HeartlandBlue Gold $0 PCP Visit 1500 Blueprint Health Blue Cross and Blue Shield of Nebraska | Gold | EPO | $565.35 | $689.42 | $1,500 | $7,500 |
| HeartlandBlue Gold 1000 Blueprint Health w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Gold | EPO | $577.52 | $704.27 | $1,000 | $5,500 |
| Clear Gold Ambetter Health | Gold | EPO | $583.09 | $711.06 | $1,200 | $9,150 |
| Clear Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $596.99 | $728.00 | $1,200 | $9,150 |
| Standard Gold Ambetter Health | Gold | EPO | $598.31 | $729.62 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $612.57 | $747.00 | $2,000 | $8,200 |
| Elevate by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $653.48 | $796.90 | $1,500 | $8,800 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $669.10 | $815.94 | $2,000 | $8,200 |
| Elevate by Medica Gold Share Medica | Gold | EPO | $672.77 | $820.42 | $2,500 | $5,900 |
| UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $678.00 | $826.80 | $1,750 | $8,200 |
| Elite Gold Ambetter Health | Gold | EPO | $678.55 | $827.46 | $0 | $6,500 |
| Elevate by Medica Gold Standard Medica | Gold | EPO | $685.74 | $836.24 | $2,000 | $8,200 |
| HeartlandBlue Gold Standard 2000 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Gold | EPO | $691.22 | $842.92 | $2,000 | $8,200 |
| Elite Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $694.72 | $847.18 | $0 | $6,500 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $695.57 | $848.22 | $2,000 | $8,200 |
| HeartlandBlue Gold $0 PCP Visit 1500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Gold | EPO | $695.79 | $848.50 | $1,500 | $7,500 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $701.51 | $855.47 | $0 | $7,700 |
| Medica with CHI Health Gold $0 Copay PCP Visits + Adult Eye Exam Medica | Gold | EPO | $704.51 | $859.12 | $1,500 | $8,800 |
| HeartlandBlue Gold 1000 Premier Select BlueChoice w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Gold | EPO | $710.78 | $866.77 | $1,000 | $5,500 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $714.26 | $871.01 | $0 | $7,700 |
| Medica with CHI Health Gold Share + Adult Eye Exam Medica | Gold | EPO | $725.30 | $884.48 | $2,500 | $5,900 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $730.46 | $890.78 | $500 | $6,500 |
| Medica with CHI Health Gold Standard + Adult Eye Exam Medica | Gold | EPO | $739.29 | $901.53 | $2,000 | $8,200 |
| Medica Insure Gold Standard Medica | Gold | EPO | $975.50 | $1,189.59 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $508/mo | $443 | $612 | 37 | 4 |
| 2023 | $498/mo | $450 | $622 | 32 | 4 |
| 2024 | $517/mo | $445 | $636 | 24 | 4 |
| 2025 | $543/mo | $456 | $740 | 27 | 5 |
| 2026 | $658/mo | $525 | $988 | 29 | 5 |
What this means for Douglas
Use Douglas's own numbers here, not a national average, before you enroll.
- $658/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 81 plans from 5 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Where does Douglas sit on Silver premiums vs other counties?
Douglas ranks #808 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $658/mo. See /methodology#corpus-placement.
How many ACA plans compete in Douglas?
Douglas carries 81 ACA plans from 5 issuers, putting it in the densest third of county inventories nationwide.
What is the cheapest health insurance plan in Douglas?
The lowest-premium plan in Douglas starts at $405/mo (Bronze tier, age 27). Silver plans start at $525/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Douglas?
The benchmark (second-lowest Silver) premium in Douglas is $526/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Douglas premiums rise +22.2% year-over-year?
The average age-27 premium in Douglas changed by +22.2% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Douglas?
The average annual deductible across all plans in Douglas is $4,649, and the average out-of-pocket maximum is $8,878. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which issuers compete in Douglas's crowded market?
There are 5 insurance issuers offering ACA marketplace plans in Douglas, including Medica, Blue Cross and Blue Shield of Nebraska, Ambetter Health, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Douglas, NE's $526/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Douglas, NE, both outside NE so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($526/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (5 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.