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Nebraska · 2026 plan year

Gold health insurance plans in Nebraska (2026)

There are 50 Gold plans on the Nebraska Marketplace from 5 insurers, and they are not interchangeable — premiums run from $536 to $933 a month for the same metal tier. Here is what separates them.

50
Gold plans
5
Insurers
93
Counties covered
$536
Cheapest premium
$1,500
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Nebraska Gold deductibles run 25% below the national median.

The median Gold deductible here is $1,500, against a $2,000 median across the 35 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.

Nebraska Gold premiums rank 29th cheapest of 35.

Averaged across all 50 plans, Gold coverage in Nebraska costs $688 a month before subsidies — 29th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Gold plan costs in Nebraska in 2026

Across all 50 Gold plans in Nebraska, monthly premiums run from $536 to $933, averaging $688. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Nebraska enrollees, often to a fraction of the sticker price.

Deductibles

Gold plan deductibles in Nebraska

Gold deductibles in Nebraska run from $0 to $2,500, with a median of $1,500 across the 48 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,566 because the spread is not symmetric. Some Nebraska Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 2 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Gold out-of-pocket maximums in Nebraska

Individual out-of-pocket maximums on Nebraska Gold plans run from $5,500 to $9,150, with a median of $7,700. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Gold plans in Nebraska

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
HeartlandBlue Gold Standard 2000 Blueprint HealthBlue Cross and Blue Shield of Nebraska$536$2,000$8,200
HeartlandBlue Gold $0 PCP Visit 1500 Blueprint HealthBlue Cross and Blue Shield of Nebraska$539$1,500$7,500
Clear GoldAmbetter Health$542$1,200$9,150
HeartlandBlue Gold 1000 Blueprint Health w/ Adult VisionBlue Cross and Blue Shield of Nebraska$551$1,000$5,500
Clear Gold + Vision + Adult DentalAmbetter Health$555$1,200$9,150

Showing 5 of 50. See all Nebraska Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
Blue Cross and Blue Shield of Nebraska24$536$713$1,000–$2,000
Medica12$624$732$1,500–$2,500
Ambetter Health6$542$583$0–$2,000
Oscar Insurance Company4$558$593$500–$2,000
UnitedHealthcare4$638$659$1,750–$2,000
Other tiers in Nebraska

How Gold compares to the rest

Bronze
Avg $500 · from $386
54 plans
Silver
Avg $654 · from $501
60 plans
Gold
Avg $688 · from $536
50 plans · you are here

All NebraskaMarketplace plans →

Nearby on price

States with similar Gold premiums

Delaware
Avg $605
14 Gold plans
Arizona
Avg $690
61 Gold plans
West Virginia
Avg $694
13 Gold plans
Common questions

Nebraska Gold plans, answered

What are the copays on Nebraska Gold plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 50 Gold plans in Nebraska, out-of-pocket maximums run $5,500 to $9,150, and deductibles on the 48 plans with one combined deductible run $0 to $2,500. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Nebraska?
Any Nebraska Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $1,500 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on Nebraska Gold plans?
Gold deductibles in Nebraska run from $0 to $2,500 across the 48 plans with one combined deductible, with a median of $1,500 — that median is the figure closest to a typical plan. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $5,500 to $9,150. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Nebraska county?
Gold plans are sold in 93 Nebraska counties, from 5 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Nebraska?
Nebraska uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Nebraska start at $536 a month before any subsidy.

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