ACA plans available
69
Plan year 2026
CMS Marketplace county · plan year 2026
Phelps, 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
- $762
- Silver avg/mo
- 69
- ACA plans
- 5
- Issuers
- +25.4%
- YoY premium
Silver avg $762/mo
Phelps, Nebraska has 69 ACA marketplace plans from 5 issuers (plan year 2026). Average Silver premium is $762/mo; Bronze averages $582/mo and Gold $788/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #267 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $621/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Phelps, Nebraska ranks #267 of 2,055 counties by listed Silver average ($762/mo) and #227 of 2,055 by plan count (69 plans).
- #267 of 2,055
- Silver average among 2,055 counties
- $762
- Listed Silver average /mo
- #227 of 2,055
- Plan count among 2,055 counties
- 69
- 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.
Phelps, Nebraska offers 69 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $478/mo and Silver plans start at $619/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$762
Avg Silver Premium/mo
$621
Benchmark Premium/mo
+25.4%
Year-over-Year Change
$4,731
Avg Deductible
High-premium band
Phelps in the high-premium third
$762/mo Silver avg sits in the top third of tracked federal-marketplace counties. Corpus place #267 of 2055 (highest Silver = #1).
Bronze starts at $478/mo; Silver spans $619–$1,128/mo (age 27). Benchmark (2nd-lowest Silver) is $621/mo, the subsidy ceiling.
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
23 plans$582/mo avg
$478 - $838
Silver
25 plans$762/mo avg
$619 - $1,128
Gold
21 plans$788/mo avg
$637 - $1,114
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Phelps is $621/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
$621 /mo
Sets your subsidy ceiling
Avg deductible
$4,731
Across all metal tiers
C
Marketplace Access Score
58/100
Phelps
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
$621/mo
Benchmark Silver premium; rank #267 of 2055 tracked counties (cheapest first)
Plan Choice A
69 plans
ACA marketplace plan count; rank #227 of 2055 tracked counties (most first)
Issuer Competition B+
5 issuers
Distinct marketplace issuers; rank #457 of 2055 tracked counties (most first)
Cost Predictability A-
$4,731
Average deductible across tracked plans; rank #1685 of 2055 tracked counties (lowest first)
Phelps ACA plans by premium and deductible
Each marker is the Phelps 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.
Phelps ACA marketplace plans: premium vs deductible
How Phelps's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Phelps vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$762 267th of 2055 higher than 1,788 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 Phelps
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Nebraska | 20 | $641/mo |
| Ambetter Health | 16 | $619/mo |
| UnitedHealthcare | 14 | $764/mo |
| Oscar Insurance Company | 10 | $655/mo |
| Medica | 9 | $1,000/mo |
All Plans in Phelps
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | EPO | $573.52 | $699.39 | $10,600 | $10,600 |
| HeartlandBlue Bronze 6000 Blueprint Health w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $477.86 | $582.73 | $6,000 | $10,600 |
| HeartlandBlue Bronze Standard 7500 Blueprint Health Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $481.55 | $587.23 | $7,500 | $10,000 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | EPO | $489.35 | $596.74 | $7,500 | $10,000 |
| HeartlandBlue Bronze HSA 6500 Blueprint Health Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $491.85 | $599.80 | $6,500 | $8,050 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $501.01 | $610.96 | $7,500 | $10,000 |
| Bronze Classic Oscar Insurance Company | Expanded Bronze | EPO | $529.38 | $645.56 | $7,750 | $10,600 |
| Choice Bronze HSA Ambetter Health | Expanded Bronze | EPO | $530.56 | $647.00 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $543.20 | $662.41 | $7,250 | $7,250 |
| HeartlandBlue Bronze 6000 Premier Select BlueChoice w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $544.56 | $664.07 | $6,000 | $10,600 |
| HeartlandBlue Bronze Standard 7500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $548.77 | $669.21 | $7,500 | $10,000 |
| Elite Bronze Ambetter Health | Expanded Bronze | EPO | $557.29 | $679.60 | $0 | $10,500 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $558.13 | $680.63 | $7,500 | $10,000 |
| HeartlandBlue Bronze HSA 6500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Expanded Bronze | EPO | $560.51 | $683.52 | $6,500 | $8,050 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $568.54 | $693.31 | $5,500 | $10,150 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $570.57 | $695.79 | $0 | $10,500 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $594.33 | $724.77 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $597.93 | $729.16 | $0 | $10,600 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $621.72 | $758.16 | $0 | $10,600 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $637.31 | $777.17 | $0 | $10,600 |
| Medica Insure Bronze Share Medica | Expanded Bronze | EPO | $749.72 | $914.26 | $8,000 | $10,600 |
| Medica Insure Expanded Bronze Standard Medica | Expanded Bronze | EPO | $814.62 | $993.40 | $7,500 | $10,000 |
| Medica Insure Bronze Premier Medica | Expanded Bronze | EPO | $838.10 | $1,022.04 | $2,000 | $10,600 |
| HeartlandBlue Silver Standard 6000 Blueprint Health Blue Cross and Blue Shield of Nebraska | Silver | EPO | $619.35 | $755.28 | $6,000 | $8,900 |
| HeartlandBlue Silver $0 PCP Visit 4500 Blueprint Health Blue Cross and Blue Shield of Nebraska | Silver | EPO | $621.08 | $757.39 | $4,500 | $9,500 |
| HeartlandBlue Silver 4000 Blueprint Health Blue Cross and Blue Shield of Nebraska | Silver | EPO | $633.85 | $772.95 | $4,000 | $8,000 |
| Standard Silver Ambetter Health | Silver | EPO | $637.69 | $777.64 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | EPO | $644.07 | $785.42 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | EPO | $652.88 | $796.17 | $6,000 | $8,900 |
| HeartlandBlue Silver HSA 5500 Blueprint Health w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Silver | EPO | $657.18 | $801.41 | $5,500 | $6,000 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | EPO | $659.42 | $804.14 | $6,300 | $8,400 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $698.59 | $851.91 | $6,000 | $8,900 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $698.83 | $852.20 | $5,750 | $9,600 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | EPO | $700.23 | $853.91 | $6,500 | $10,000 |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company | Silver | EPO | $701.60 | $855.58 | $6,000 | $10,150 |
| HeartlandBlue Silver Standard 6000 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Silver | EPO | $705.81 | $860.71 | $6,000 | $8,900 |
| HeartlandBlue Silver $0 PCP Visit 4500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Silver | EPO | $707.78 | $863.11 | $4,500 | $9,500 |
| HeartlandBlue Silver 4000 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Silver | EPO | $722.32 | $880.85 | $4,000 | $8,000 |
| HeartlandBlue Silver HSA 5500 Premier Select BlueChoice w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Silver | EPO | $748.91 | $913.27 | $5,500 | $6,000 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $801.57 | $977.49 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | EPO | $805.55 | $982.34 | $3,500 | $8,900 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $817.12 | $996.45 | $6,000 | $8,900 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $821.14 | $1,001.35 | $3,500 | $8,900 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $821.73 | $1,002.07 | $0 | $10,600 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $837.27 | $1,021.03 | $0 | $10,600 |
| Medica Insure Silver $0 Copay PCP Visits Medica | Silver | EPO | $1,085.00 | $1,323.12 | $3,500 | $10,450 |
| Medica Insure Silver Share Medica | Silver | EPO | $1,113.21 | $1,357.52 | $3,525 | $8,850 |
| Medica Insure Silver Standard Medica | Silver | EPO | $1,128.41 | $1,376.05 | $6,000 | $8,900 |
| Clear Gold Ambetter Health | Gold | EPO | $636.65 | $776.38 | $1,200 | $9,150 |
| Clear Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $651.82 | $794.88 | $1,200 | $9,150 |
| Standard Gold Ambetter Health | Gold | EPO | $653.27 | $796.64 | $2,000 | $8,200 |
| HeartlandBlue Gold Standard 2000 Blueprint Health Blue Cross and Blue Shield of Nebraska | Gold | EPO | $662.70 | $808.14 | $2,000 | $8,200 |
| HeartlandBlue Gold $0 PCP Visit 1500 Blueprint Health Blue Cross and Blue Shield of Nebraska | Gold | EPO | $667.08 | $813.49 | $1,500 | $7,500 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $668.84 | $815.62 | $2,000 | $8,200 |
| HeartlandBlue Gold 1000 Blueprint Health w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Gold | EPO | $681.45 | $831.00 | $1,000 | $5,500 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $730.79 | $891.17 | $2,000 | $8,200 |
| Elite Gold Ambetter Health | Gold | EPO | $740.88 | $903.47 | $0 | $6,500 |
| HeartlandBlue Gold Standard 2000 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Gold | EPO | $755.20 | $920.94 | $2,000 | $8,200 |
| Elite Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $758.53 | $925.00 | $0 | $6,500 |
| HeartlandBlue Gold $0 PCP Visit 1500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska | Gold | EPO | $760.20 | $927.04 | $1,500 | $7,500 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $767.45 | $935.88 | $500 | $6,500 |
| HeartlandBlue Gold 1000 Premier Select BlueChoice w/ Adult Vision Blue Cross and Blue Shield of Nebraska | Gold | EPO | $776.57 | $947.00 | $1,000 | $5,500 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $816.45 | $995.63 | $2,000 | $8,200 |
| UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $827.32 | $1,008.89 | $1,750 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $856.01 | $1,043.87 | $0 | $7,700 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $871.56 | $1,062.83 | $0 | $7,700 |
| Medica Insure Gold $0 Copay PCP Visits Medica | Gold | EPO | $1,061.83 | $1,294.87 | $1,500 | $8,800 |
| Medica Insure Gold Share Medica | Gold | EPO | $1,093.18 | $1,333.10 | $2,500 | $5,900 |
| Medica Insure Gold Standard Medica | Gold | EPO | $1,114.25 | $1,358.79 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $631/mo | $512 | $703 | 22 | 4 |
| 2023 | $539/mo | $437 | $693 | 22 | 4 |
| 2024 | $581/mo | $475 | $709 | 20 | 4 |
| 2025 | $613/mo | $500 | $801 | 23 | 5 |
| 2026 | $762/mo | $619 | $1,128 | 25 | 5 |
What this means for Phelps
Use Phelps's own numbers here, not a national average, before you enroll.
- $762/mo Silver average sits in the top third of tracked counties nationally -- run the metal-tier math before defaulting to Silver. Compare metal tiers
- 69 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
Why is Phelps's Silver premium in the high band?
Phelps ranks #267 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $762/mo. See /methodology#corpus-placement.
How many ACA plans compete in Phelps?
Phelps carries 69 ACA plans from 5 issuers, putting it in the densest third of county inventories nationwide.
What is the floor premium in high-cost Phelps?
The lowest-premium plan in Phelps starts at $478/mo (Bronze tier, age 27). Silver plans start at $619/mo. Actual premiums vary by age and may be reduced by premium tax credits.
How does the Phelps benchmark premium affect subsidies?
The benchmark (second-lowest Silver) premium in Phelps is $621/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Phelps premiums rise +25.4% year-over-year?
The average age-27 premium in Phelps changed by +25.4% 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 Phelps?
The average annual deductible across all plans in Phelps is $4,731, and the average out-of-pocket maximum is $8,836. 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 Phelps's crowded market?
There are 5 insurance issuers offering ACA marketplace plans in Phelps, including Blue Cross and Blue Shield of Nebraska, Ambetter Health, UnitedHealthcare, 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 Phelps, NE's $621/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 Phelps, 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 ($621/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.