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Nebraska · 2026 plan year

Silver health insurance plans in Nebraska (2026)

There are 60 Silver plans on the Nebraska Marketplace from 5 insurers, and they are not interchangeable — premiums run from $501 to $943 a month for the same metal tier. Here is what separates them.

60
Silver plans
5
Insurers
93
Counties covered
$501
Cheapest premium
$5,500
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 Silver premiums rank 31st cheapest of 35.

Averaged across all 60 plans, Silver coverage in Nebraska costs $654 a month before subsidies — 31st 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 Silver plan costs in Nebraska in 2026

Across all 60 Silver plans in Nebraska, monthly premiums run from $501 to $943, averaging $654. 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

Silver plan deductibles in Nebraska

Silver deductibles in Nebraska run from $3,500 to $6,500, with a median of $5,500 across the 58 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 $5,107 because the spread is not symmetric. 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

Silver out-of-pocket maximums in Nebraska

Individual out-of-pocket maximums on Nebraska Silver plans run from $6,000 to $10,600, with a median of $8,900. 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 Silver plans in Nebraska

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
HeartlandBlue Silver Standard 6000 Blueprint HealthBlue Cross and Blue Shield of Nebraska$501$6,000$8,900
HeartlandBlue Silver $0 PCP Visit 4500 Blueprint HealthBlue Cross and Blue Shield of Nebraska$502$4,500$9,500
HeartlandBlue Silver 4000 Blueprint HealthBlue Cross and Blue Shield of Nebraska$513$4,000$8,000
HeartlandBlue Silver HSA 5500 Blueprint Health w/ Adult VisionBlue Cross and Blue Shield of Nebraska$531$5,500$6,000
Silver Classic Standard | with Bryan HealthOscar Insurance Company$533$6,000$8,900

Showing 5 of 60. See all Nebraska Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Blue Cross and Blue Shield of Nebraska30$501$661$4,000–$6,000
Medica12$637$744$3,500–$6,000
Oscar Insurance Company8$533$554$5,750–$6,500
UnitedHealthcare6$627$639$3,500–$6,000
Ambetter Health4$543$552$6,000–$6,300
Other tiers in Nebraska

How Silver compares to the rest

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

All NebraskaMarketplace plans →

Nearby on price

States with similar Silver premiums

Arkansas
Avg $644
17 Silver plans
West Virginia
Avg $753
13 Silver plans
Alaska
Avg $791
4 Silver plans
Common questions

Nebraska Silver plans, answered

What are the copays on Nebraska Silver 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 60 Silver plans in Nebraska, out-of-pocket maximums run $6,000 to $10,600, and deductibles on the 58 plans with one combined deductible run $3,500 to $6,500. 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 Silver plan in Nebraska?
Anyone eligible to buy Marketplace coverage in Nebraska can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($654 a month on average) is higher than Gold in some states.
What is the deductible on Nebraska Silver plans?
Silver deductibles in Nebraska run from $3,500 to $6,500 across the 58 plans with one combined deductible, with a median of $5,500 — 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 $6,000 to $10,600. 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 Silver plans available in my Nebraska county?
Silver 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 Silver premiums in Nebraska start at $501 a month before any subsidy.

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