ACA plans available
69
Plan year
2026 data Public-data reference. official source
Thurston, Nebraska Health Insurance
Open-data reference.
69 ACA plans from 5 issuers — Plan year 2026
Thurston, Nebraska offers 69 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $470/mo and Silver plans start at $525/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$670
Avg Silver Premium/mo
$526
Benchmark Premium/mo
+30.3%
Year-over-Year Change
$4,731
Avg Deductible
What the Numbers Say About Thurston
Thurston, Nebraska has 69 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $670/mo for a 27-year-old non-tobacco user, with the lowest Silver at $525 and the highest at $988. Bronze plans start at $470/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $526/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,731 and the average out-of-pocket maximum is $8,836 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Thurston shifted by +30.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Thurston, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
1 plan$470/mo avg
$470 — $470
Silver
25 plans$670/mo avg
$525 — $988
Gold
21 plans$696/mo avg
$562 — $976
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Thurston 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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
5
Competitive market
Benchmark Silver
$526 /mo
Sets your subsidy ceiling
Avg deductible
$4,731
Across all metal tiers
Thurston ACA plans by premium and deductible
Each marker is the Thurston average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Thurston, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Thurston
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| 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 |
| Medica | 9 | $875/mo |
All Plans in Thurston
| 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 |
| 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 |
| 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 |
| 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 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $541.14 | $659.90 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $569.11 | $694.01 | $0 | $10,600 |
| Medica Insure Bronze Share Medica | Expanded Bronze | EPO | $656.36 | $800.41 | $8,000 | $10,600 |
| Medica Insure Expanded Bronze Standard Medica | Expanded Bronze | EPO | $713.18 | $869.70 | $7,500 | $10,000 |
| Medica Insure Bronze Premier Medica | Expanded Bronze | EPO | $733.74 | $894.77 | $2,000 | $10,600 |
| 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 |
| 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 |
| 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 |
| Medica Insure Silver $0 Copay PCP Visits Medica | Silver | EPO | $949.90 | $1,158.37 | $3,500 | $10,450 |
| Medica Insure Silver Share Medica | Silver | EPO | $974.59 | $1,188.48 | $3,525 | $8,850 |
| 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 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $669.10 | $815.94 | $2,000 | $8,200 |
| 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 |
| 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 |
| 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 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $730.46 | $890.78 | $500 | $6,500 |
| Medica Insure Gold $0 Copay PCP Visits Medica | Gold | EPO | $929.61 | $1,133.63 | $1,500 | $8,800 |
| Medica Insure Gold Share Medica | Gold | EPO | $957.06 | $1,167.10 | $2,500 | $5,900 |
| 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 | $540/mo | $467 | $612 | 22 | 4 |
| 2023 | $500/mo | $450 | $622 | 26 | 4 |
| 2024 | $530/mo | $445 | $636 | 21 | 4 |
| 2025 | $562/mo | $456 | $740 | 23 | 5 |
| 2026 | $670/mo | $525 | $988 | 25 | 5 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Nebraska
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Thurston, NE?
There are 69 ACA marketplace plans available in Thurston from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Thurston?
The lowest-premium plan in Thurston starts at $470/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 Thurston?
The benchmark (second-lowest Silver) premium in Thurston is $526/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Thurston?
Average premiums in Thurston changed by +30.3% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Thurston?
The average annual deductible across all plans in Thurston 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 insurance companies offer plans in Thurston?
There are 5 insurance issuers offering ACA marketplace plans in Thurston, 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.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
