Nebraska ACA Health Insurance
93 counties, 5 issuers, 164 plans
Premium Range
Premiums in Nebraska range from $405/mo to $1,197/mo (age 27 base rate).
Reading the Nebraska Marketplace
The ACA marketplace in Nebraska lists 164 plans from 5 issuers spread across 93 counties. The statewide average premium is $729/mo for a 27-year-old, $890/mo at age 40, and $1,889/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $405 at the low end to $1,197 at the high end, before subsidies.
Geography drives most of the within-state variation: Arthur posts the highest Silver average at $882/mo, while Burt sits at $655/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $4,829, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Nebraska (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Nebraska ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Arthur | $882/mo | 58 | 5 |
| 2 | Banner | $882/mo | 58 | 5 |
| 3 | Box Butte | $882/mo | 58 | 5 |
| 4 | Brown | $882/mo | 58 | 5 |
| 5 | Chase | $882/mo | 58 | 5 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Burt | $655/mo | 72 | 5 |
| 2 | Dodge | $658/mo | 81 | 5 |
| 3 | Douglas | $658/mo | 81 | 5 |
| 4 | Sarpy | $658/mo | 81 | 5 |
| 5 | Saunders | $658/mo | 81 | 5 |
All Counties in Nebraska
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Adams | $738 | $574 | $759 | 72 | 5 | +36.4% |
| Antelope | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Arthur | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Banner | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Blaine | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Boone | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Box Butte | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Boyd | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Brown | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Buffalo | $748 | $574 | $767 | 81 | 5 | +38.1% |
| Burt | $655 | $470 | $677 | 72 | 5 | +30.6% |
| Butler | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Cass | $680 | $493 | $703 | 72 | 5 | +33.9% |
| Cedar | $813 | $594 | $836 | 58 | 5 | +40.0% |
| Chase | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Cherry | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Cheyenne | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Clay | $785 | $604 | $804 | 61 | 5 | +42.1% |
| Colfax | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Cuming | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Custer | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Dakota | $813 | $594 | $836 | 58 | 5 | +40.0% |
| Dawes | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Dawson | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Deuel | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Dixon | $813 | $594 | $836 | 58 | 5 | +40.0% |
| Dodge | $658 | $470 | $676 | 81 | 5 | +32.2% |
| Douglas | $658 | $470 | $676 | 81 | 5 | +32.2% |
| Dundy | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Fillmore | $688 | $493 | $708 | 81 | 5 | +36.0% |
| Franklin | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Frontier | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Furnas | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Gage | $695 | $493 | $722 | 69 | 5 | +33.5% |
| Garden | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Garfield | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Gosper | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Grant | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Greeley | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Hall | $748 | $574 | $767 | 81 | 5 | +38.1% |
| Hamilton | $792 | $604 | $807 | 70 | 5 | +43.3% |
| Harlan | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Hayes | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Hitchcock | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Holt | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Hooker | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Howard | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Jefferson | $695 | $493 | $722 | 69 | 5 | +33.5% |
| Johnson | $680 | $493 | $703 | 72 | 5 | +33.9% |
| Kearney | $748 | $574 | $767 | 81 | 5 | +38.1% |
| Keith | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Keya Paha | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Kimball | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Knox | $813 | $594 | $836 | 58 | 5 | +40.0% |
| Lancaster | $679 | $493 | $701 | 84 | 5 | +34.6% |
| Lincoln | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Logan | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Loup | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Madison | $817 | $604 | $841 | 58 | 5 | +41.8% |
| McPherson | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Merrick | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Morrill | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Nance | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Nemaha | $680 | $493 | $703 | 72 | 5 | +33.9% |
| Nuckolls | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Otoe | $680 | $493 | $703 | 72 | 5 | +33.9% |
| Pawnee | $680 | $493 | $703 | 72 | 5 | +33.9% |
| Perkins | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Phelps | $762 | $574 | $788 | 69 | 5 | +36.0% |
| Pierce | $813 | $594 | $836 | 58 | 5 | +40.0% |
| Platte | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Polk | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Red Willow | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Richardson | $695 | $493 | $722 | 69 | 5 | +33.5% |
| Rock | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Saline | $688 | $493 | $708 | 81 | 5 | +36.0% |
| Sarpy | $658 | $470 | $676 | 81 | 5 | +32.2% |
| Saunders | $658 | $470 | $676 | 81 | 5 | +32.2% |
| Scotts Bluff | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Seward | $688 | $493 | $708 | 81 | 5 | +36.0% |
| Sheridan | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Sherman | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Sioux | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Stanton | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Thayer | $680 | $493 | $703 | 72 | 5 | +33.9% |
| Thomas | $882 | $660 | $903 | 58 | 5 | +41.1% |
| Thurston | $670 | $470 | $696 | 69 | 5 | +30.3% |
| Valley | $793 | $604 | $813 | 61 | 5 | +41.9% |
| Washington | $658 | $470 | $676 | 81 | 5 | +32.2% |
| Wayne | $813 | $594 | $836 | 58 | 5 | +40.0% |
| Webster | $817 | $604 | $841 | 58 | 5 | +41.8% |
| Wheeler | $817 | $604 | $841 | 58 | 5 | +41.8% |
| York | $674 | $493 | $696 | 72 | 5 | +34.0% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Nebraska
The Affordable Care Act marketplace in Nebraska offers 164 health insurance plans from 5 issuers across 93 counties. Premiums vary significantly by geography: the most expensive county (Arthur) averages $882/mo for a Silver plan, while the most affordable (Burt) averages $655/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $4,829, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
How much does health insurance cost in Nebraska? ▼
What is the cheapest health insurance plan in Nebraska? ▼
How many health insurance companies operate in Nebraska? ▼
Where is health insurance most expensive in Nebraska? ▼
What is the average deductible for health plans in Nebraska? ▼
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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