Ambetter provides the cheapest health insurance in Nebraska, with an average monthly premium of $629. However, availability can differ, so also consider Oscar, Medica and Health First for affordable health plans.
Most Affordable Health Insurance in Nebraska
Updated: June 9, 2025
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Key Takeaways
Ambetter offers the most affordable health insurance in the state, saving policyholders an average of $197 per month compared to the state average.
Ambetter offers top-rated full coverage Gold plans, with affordable pricing starting at $624 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Nebraska
| Ambetter | $629 | $197 |
| Oscar | $684 | $142 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Nebraska Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Nebraska, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest For Young Adults: Ambetter ($504 monthly)
- Cheapest For Seniors: Ambetter ($1,336 monthly)
- Cheapest Catastrophic Plan: Oscar ($461 monthly)
- Cheapest Expanded Bronze Plan: Medica ($477 monthly)
- Cheapest Silver Plan: Ambetter ($629 monthly)
- Cheapest Gold Plan: Ambetter ($624 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| Ambetter | Standard Silver | $629 | $117 | $8,000 |
Cheapest Health Insurance Plans by County in Nebraska
While Ambetter ranks as the cheapest provider overall, it also leads in affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Adams | Ambetter | $539 | Standard Silver |
| Antelope | Ambetter | $539 | Standard Silver |
| Arthur | Ambetter | $539 | Standard Silver |
| Banner | Ambetter | $539 | Standard Silver |
| Blaine | Ambetter | $539 | Standard Silver |
| Boone | Ambetter | $539 | Standard Silver |
| Box Butte | Ambetter | $539 | Standard Silver |
| Boyd | Ambetter | $539 | Standard Silver |
| Brown | Ambetter | $539 | Standard Silver |
| Buffalo | Ambetter | $539 | Standard Silver |
| Burt | Ambetter | $539 | Standard Silver |
| Butler | Ambetter | $539 | Standard Silver |
| Cass | Ambetter | $539 | Standard Silver |
| Cedar | Ambetter | $539 | Standard Silver |
| Chase | Ambetter | $539 | Standard Silver |
| Cherry | Ambetter | $539 | Standard Silver |
| Cheyenne | Ambetter | $539 | Standard Silver |
| Clay | Ambetter | $539 | Standard Silver |
| Colfax | Ambetter | $539 | Standard Silver |
| Cuming | Ambetter | $539 | Standard Silver |
| Custer | Ambetter | $539 | Standard Silver |
| Dakota | Ambetter | $539 | Standard Silver |
| Dawes | Ambetter | $539 | Standard Silver |
| Dawson | Ambetter | $539 | Standard Silver |
| Deuel | Ambetter | $539 | Standard Silver |
| Dixon | Ambetter | $539 | Standard Silver |
| Dodge | Ambetter | $539 | Standard Silver |
| Douglas | Ambetter | $539 | Standard Silver |
| Dundy | Ambetter | $539 | Standard Silver |
| Fillmore | Ambetter | $539 | Standard Silver |
| Franklin | Ambetter | $539 | Standard Silver |
| Frontier | Ambetter | $539 | Standard Silver |
| Furnas | Ambetter | $539 | Standard Silver |
| Gage | Ambetter | $539 | Standard Silver |
| Garden | Ambetter | $539 | Standard Silver |
| Garfield | Ambetter | $539 | Standard Silver |
| Gosper | Ambetter | $539 | Standard Silver |
| Grant | Ambetter | $539 | Standard Silver |
| Greeley | Ambetter | $539 | Standard Silver |
| Hall | Ambetter | $539 | Standard Silver |
| Hamilton | Ambetter | $539 | Standard Silver |
| Harlan | Ambetter | $539 | Standard Silver |
| Hayes | Ambetter | $539 | Standard Silver |
| Hitchcock | Ambetter | $539 | Standard Silver |
| Holt | Ambetter | $539 | Standard Silver |
| Hooker | Ambetter | $539 | Standard Silver |
| Howard | Ambetter | $539 | Standard Silver |
| Jefferson | Ambetter | $539 | Standard Silver |
| Johnson | Ambetter | $539 | Standard Silver |
| Kearney | Ambetter | $539 | Standard Silver |
| Keith | Ambetter | $539 | Standard Silver |
| Keya Paha | Ambetter | $539 | Standard Silver |
| Kimball | Ambetter | $539 | Standard Silver |
| Knox | Ambetter | $539 | Standard Silver |
| Lancaster | Ambetter | $539 | Standard Silver |
| Lincoln | Ambetter | $539 | Standard Silver |
| Logan | Ambetter | $539 | Standard Silver |
| Loup | Ambetter | $539 | Standard Silver |
| Madison | Ambetter | $539 | Standard Silver |
| McPherson | Ambetter | $539 | Standard Silver |
| Merrick | Ambetter | $539 | Standard Silver |
| Morrill | Ambetter | $539 | Standard Silver |
| Nance | Ambetter | $539 | Standard Silver |
| Nemaha | Ambetter | $539 | Standard Silver |
| Nuckolls | Ambetter | $539 | Standard Silver |
| Otoe | Ambetter | $539 | Standard Silver |
| Pawnee | Ambetter | $539 | Standard Silver |
| Perkins | Ambetter | $539 | Standard Silver |
| Phelps | Ambetter | $539 | Standard Silver |
| Pierce | Ambetter | $539 | Standard Silver |
| Platte | Ambetter | $539 | Standard Silver |
| Polk | Ambetter | $539 | Standard Silver |
| Red Willow | Ambetter | $539 | Standard Silver |
| Richardson | Ambetter | $539 | Standard Silver |
| Rock | Ambetter | $539 | Standard Silver |
| Saline | Ambetter | $539 | Standard Silver |
| Sarpy | Ambetter | $539 | Standard Silver |
| Saunders | Ambetter | $539 | Standard Silver |
| Scotts Bluff | Ambetter | $539 | Standard Silver |
| Seward | Ambetter | $539 | Standard Silver |
| Sheridan | Ambetter | $539 | Standard Silver |
| Sherman | Ambetter | $539 | Standard Silver |
| Sioux | Ambetter | $539 | Standard Silver |
| Stanton | Ambetter | $539 | Standard Silver |
| Thayer | Ambetter | $539 | Standard Silver |
| Thomas | Ambetter | $539 | Standard Silver |
| Thurston | Ambetter | $539 | Standard Silver |
| Valley | Ambetter | $539 | Standard Silver |
| Washington | Ambetter | $539 | Standard Silver |
| Wayne | Ambetter | $539 | Standard Silver |
| Webster | Ambetter | $539 | Standard Silver |
| Wheeler | Ambetter | $539 | Standard Silver |
| York | Ambetter | $539 | Standard Silver |
How to Find the Cheapest Health Insurance in Nebraska
Follow these steps to find affordable health insurance in Nebraska:
- 1
Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4
Review prescription formularies
Check the coverage for medications you take regularly. Some insurers offer common medications on lower tiers with reduced copays, which can potentially save you hundreds of dollars each year.
- 5
Compare plans during Open Enrollment
Open Enrollment is from November 1 to January 15. If you've had life events like job loss, divorce or childbirth, you may qualify for Special Enrollment. Evaluate different plans based on coverage, customer ratings, costs and medical provider availability.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Nebraska: Bottom Line
Nebraska's most affordable health insurance companies are Ambetter and Oscar. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Nebraska Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Nebraska:
What is the cheapest health insurance in Nebraska?
Ambetter provides the cheapest health insurance in Nebraska, with Silver plans starting at $629 per month for 40-year-olds. To find the best deal for your budget and needs, consider Oscar, among other providers.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided The Cheapest Health Insurance Companies in Nebraska
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Nebraska based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.