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Health Insurance Plans in Nebraska
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| Plan Name | On or Off Exchange | Plan eligible for subsidy? | Metal Level | Deductible (individual/family) | Out-of-pocket Max (individual/family) | |
|---|---|---|---|---|---|---|
| Elevate by Medica Bronze $0 Copay PCP Visits by Medica Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Elevate by Medica Expanded Bronze Standard by Medica Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Choice Bronze HSA by Ambetter from Nebraska Total Care | Both | Bronze | $7,250 / $14,500 | $7,250 / $14,500 | Price & Details | |
| Elite Bronze by Ambetter from Nebraska Total Care | Both | Bronze | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Medica Insure Expanded Bronze Standard by Medica Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze HSA 6500 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $6,500 / $13,000 | $8,050 / $16,100 | Price & Details | |
| HeartlandBlue Bronze Standard 7500 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Bronze Classic by Oscar Insurance Company | Obamacare | Bronze | $7,750 / $15,500 | $9,100 / $18,200 | Price & Details | |
| Bronze Elite + PCP Saver Plus by Oscar Insurance Company | Obamacare | Bronze | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Bronze Classic Standard by Oscar Insurance Company | Obamacare | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) by UnitedHealthcare | Both | Bronze | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Medica Insure Bronze Share by Medica Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Medica Insure Bronze Premier by Medica Insurance Company | Both | Bronze | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze 0% Coinsurance after Deductible NEtwork Blue by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze HSA 6500 NEtwork Blue by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $6,500 / $13,000 | $8,050 / $16,100 | Price & Details | |
| HeartlandBlue Bronze Standard 7500 NEtwork Blue PPO by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Medica with CHI Health Bronze $0 Copay PCP Visits + Adult Eye Exam by Medica Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Medica with CHI Health Expanded Bronze Standard + Adult Eye Exam by Medica Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Medica with CHI Health Bronze $0 Copay PCP Visits by Medica Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Medica with CHI Health Bronze Premier by Medica Insurance Company | Both | Bronze | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze Standard 7500 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze HSA 6500 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $6,500 / $13,000 | $8,050 / $16,100 | Price & Details | |
| HeartlandBlue Bronze 5000 Blueprint Health w/ Adult Vision by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| Standard Expanded Bronze by Ambetter from Nebraska Total Care | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| UHC Bronze Standard (No Referrals) by UnitedHealthcare | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze HSA 6500 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $6,500 / $13,000 | $8,050 / $16,100 | Price & Details | |
| HeartlandBlue Bronze 5000 Premier Select BlueChoice w/ Adult Vision by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze Standard 7500 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Standard Expanded Bronze + Vision + Adult Dental by Ambetter from Nebraska Total Care | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze HSA 6500 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $6,500 / $13,000 | $8,050 / $16,100 | Price & Details | |
| HeartlandBlue Bronze Standard 7500 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze Standard 7500 NEtwork Blue by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Choice Bronze HSA + Vision + Adult Dental by Ambetter from Nebraska Total Care | Both | Bronze | $7,250 / $14,500 | $7,250 / $14,500 | Price & Details | |
| Medica with CHI Health Expanded Bronze Standard by Medica Insurance Company | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| UHC Bronze Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) by UnitedHealthcare | Both | Bronze | $8,250 / $16,500 | $9,200 / $18,400 | Price & Details | |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) by UnitedHealthcare | Both | Bronze | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze 5000 Blueprint Health w/ Adult Vision by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| Elite Bronze + Vision + Adult Dental by Ambetter from Nebraska Total Care | Both | Bronze | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze Standard 7500 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze HSA 6500 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $6,500 / $13,000 | $8,050 / $16,100 | Price & Details | |
| HeartlandBlue Bronze 0% Coinsurance after Deductible NEtwork Blue PPO by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Medica with CHI Health Bronze Premier + Adult Eye Exam by Medica Insurance Company | Both | Bronze | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze 5000 Blueprint Health w/ Adult Vision by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze 5000 Premier Select BlueChoice w/ Adult Vision by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze HSA 6500 NEtwork Blue PPO by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $6,500 / $13,000 | $8,050 / $16,100 | Price & Details | |
| Elevate by Medica Bronze Premier by Medica Insurance Company | Both | Bronze | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze Standard 7500 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze 5000 Premier Select BlueChoice w/ Adult Vision by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| HeartlandBlue Bronze HSA 6500 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Bronze | $6,500 / $13,000 | $8,050 / $16,100 | Price & Details | |
| Elevate by Medica Silver $0 Copay PCP Visits by Medica Insurance Company | Both | Silver | $3,500 / $7,000 | $9,000 / $18,000 | Price & Details | |
| Elevate by Medica Silver Standard by Medica Insurance Company | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Elevate by Medica Silver Share by Medica Insurance Company | Both | Silver | $3,525 / $7,050 | $7,600 / $15,200 | Price & Details | |
| Standard Silver by Ambetter from Nebraska Total Care | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Focused Silver by Ambetter from Nebraska Total Care | Both | Silver | $6,300 / $12,600 | $8,000 / $16,000 | Price & Details | |
| Complete Silver + Vision + Adult Dental by Ambetter from Nebraska Total Care | Both | Silver | $6,000 / $12,000 | $8,500 / $17,000 | Price & Details | |
| Focused Silver + Vision + Adult Dental by Ambetter from Nebraska Total Care | Both | Silver | $6,300 / $12,600 | $8,000 / $16,000 | Price & Details | |
| HeartlandBlue Silver $0 PCP Visit 4500 NEtwork Blue by Blue Cross and Blue Shield of Nebraska | Both | Silver | $4,500 / $9,000 | $9,000 / $18,000 | Price & Details | |
| Silver Simple Diabetes by Oscar Insurance Company | Obamacare | Silver | $6,450 / $12,900 | $8,550 / $17,100 | Price & Details | |
| HeartlandBlue Silver Standard 5000 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| HeartlandBlue Silver Standard 5000 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Silver Classic by Oscar Insurance Company | Obamacare | Silver | $5,400 / $10,800 | $8,650 / $17,300 | Price & Details | |
| Silver Simple PCP Saver by Oscar Insurance Company | Obamacare | Silver | $5,500 / $11,000 | $8,600 / $17,200 | Price & Details | |
| Silver Classic Standard by Oscar Insurance Company | Obamacare | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| UHC Silver Standard (No Referrals) by UnitedHealthcare | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| UHC Silver Value+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) by UnitedHealthcare | Both | Silver | $3,500 / $7,000 | $9,200 / $18,400 | Price & Details | |
| Medica Insure Silver Share by Medica Insurance Company | Both | Silver | $3,525 / $7,050 | $7,600 / $15,200 | Price & Details | |
| Medica Insure Silver $0 Copay PCP Visits by Medica Insurance Company | Both | Silver | $3,500 / $7,000 | $9,000 / $18,000 | Price & Details | |
| HeartlandBlue Silver $0 PCP Visit 4500 NEtwork Blue PPO by Blue Cross and Blue Shield of Nebraska | Both | Silver | $4,500 / $9,000 | $9,000 / $18,000 | Price & Details | |
| HeartlandBlue Silver $0 Mental Health Visit 6000 NEtwork Blue PPO by Blue Cross and Blue Shield of Nebraska | Both | Silver | $6,000 / $12,000 | $7,900 / $15,800 | Price & Details | |
| Medica with CHI Health Silver Share + Adult Eye Exam by Medica Insurance Company | Both | Silver | $3,525 / $7,050 | $7,600 / $15,200 | Price & Details | |
| Medica with CHI Health Silver $0 Copay PCP Visits + Adult Eye Exam by Medica Insurance Company | Both | Silver | $3,500 / $7,000 | $9,000 / $18,000 | Price & Details | |
| Medica with CHI Health Silver Standard + Adult Eye Exam by Medica Insurance Company | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Medica with CHI Health Silver Standard by Medica Insurance Company | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| HeartlandBlue Silver Standard 5000 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| HeartlandBlue Silver Standard 5000 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| HeartlandBlue Silver Standard 5000 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| HeartlandBlue Silver Standard 5000 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) by UnitedHealthcare | Both | Silver | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Complete Silver by Ambetter from Nebraska Total Care | Both | Silver | $6,000 / $12,000 | $8,500 / $17,000 | Price & Details | |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) by UnitedHealthcare | Both | Silver | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Medica with CHI Health Silver $0 Copay PCP Visits by Medica Insurance Company | Both | Silver | $3,500 / $7,000 | $9,000 / $18,000 | Price & Details | |
| UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) by UnitedHealthcare | Both | Silver | $3,500 / $7,000 | $9,200 / $18,400 | Price & Details | |
| UHC Silver Standard+ (Dental + Vision, No Referrals) by UnitedHealthcare | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Medica with CHI Health Silver Share by Medica Insurance Company | Both | Silver | $3,525 / $7,050 | $7,600 / $15,200 | Price & Details | |
| Medica Insure Silver Standard by Medica Insurance Company | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| HeartlandBlue Silver Standard 5000 NEtwork Blue by Blue Cross and Blue Shield of Nebraska | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| HeartlandBlue Silver $0 Mental Health Visit 6000 NEtwork Blue by Blue Cross and Blue Shield of Nebraska | Both | Silver | $6,000 / $12,000 | $7,900 / $15,800 | Price & Details | |
| HeartlandBlue Silver Standard 5000 NEtwork Blue PPO by Blue Cross and Blue Shield of Nebraska | Both | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Elevate by Medica Gold Share by Medica Insurance Company | Both | Gold | $2,500 / $5,000 | $5,150 / $10,300 | Price & Details | |
| Elevate by Medica Gold Standard by Medica Insurance Company | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Elite Gold by Ambetter from Nebraska Total Care | Both | Gold | $0 / $0 | $5,500 / $11,000 | Price & Details | |
| Clear Gold by Ambetter from Nebraska Total Care | Both | Gold | $900 / $1,800 | $8,400 / $16,800 | Price & Details | |
| Standard Gold by Ambetter from Nebraska Total Care | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Standard Gold + Vision + Adult Dental by Ambetter from Nebraska Total Care | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Elite Gold + Vision + Adult Dental by Ambetter from Nebraska Total Care | Both | Gold | $0 / $0 | $5,500 / $11,000 | Price & Details | |
| HeartlandBlue Gold Standard 1500 NEtwork Blue by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| HeartlandBlue Gold Standard 1500 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| HeartlandBlue Gold Standard 1500 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Gold Elite by Oscar Insurance Company | Obamacare | Gold | $500 / $1,000 | $5,500 / $11,000 | Price & Details | |
| Gold Classic Standard by Oscar Insurance Company | Obamacare | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) by UnitedHealthcare | Both | Gold | $1,850 / $3,700 | $8,500 / $17,000 | Price & Details | |
| UHC Gold Standard (No Referrals) by UnitedHealthcare | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) by UnitedHealthcare | Both | Gold | $0 / $0 | $7,000 / $14,000 | Price & Details | |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) by UnitedHealthcare | Both | Gold | $0 / $0 | $7,000 / $14,000 | Price & Details | |
| Medica Insure Gold Share by Medica Insurance Company | Both | Gold | $2,500 / $5,000 | $5,150 / $10,300 | Price & Details | |
| Medica Insure Gold $0 Copay PCP Visits by Medica Insurance Company | Both | Gold | $1,325 / $2,650 | $7,750 / $15,500 | Price & Details | |
| HeartlandBlue Gold Standard 1500 NEtwork Blue PPO by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Medica with CHI Health Gold $0 Copay PCP Visits + Adult Eye Exam by Medica Insurance Company | Both | Gold | $1,325 / $2,650 | $7,750 / $15,500 | Price & Details | |
| Medica with CHI Health Gold $0 Copay PCP Visits by Medica Insurance Company | Both | Gold | $1,325 / $2,650 | $7,750 / $15,500 | Price & Details | |
| Medica with CHI Health Gold Share + Adult Eye Exam by Medica Insurance Company | Both | Gold | $2,500 / $5,000 | $5,150 / $10,300 | Price & Details | |
| Medica with CHI Health Gold Standard + Adult Eye Exam by Medica Insurance Company | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Medica with CHI Health Gold Share by Medica Insurance Company | Both | Gold | $2,500 / $5,000 | $5,150 / $10,300 | Price & Details | |
| Medica with CHI Health Gold Standard by Medica Insurance Company | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| HeartlandBlue Gold Standard 1500 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| HeartlandBlue Gold Standard 1500 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| HeartlandBlue Gold Standard 1500 Premier Select BlueChoice by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| HeartlandBlue Gold Standard 1500 Blueprint Health by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| HeartlandBlue Gold $0 Deductible NEtwork Blue by Blue Cross and Blue Shield of Nebraska | Both | Gold | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Clear Gold + Vision + Adult Dental by Ambetter from Nebraska Total Care | Both | Gold | $900 / $1,800 | $8,400 / $16,800 | Price & Details | |
| HeartlandBlue Gold $0 PCP Visit 1500 NEtwork Blue by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,500 / $15,000 | Price & Details | |
| Medica Insure Gold Standard by Medica Insurance Company | Both | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| HeartlandBlue Gold $0 PCP Visit 1500 NEtwork Blue PPO by Blue Cross and Blue Shield of Nebraska | Both | Gold | $1,500 / $3,000 | $7,500 / $15,000 | Price & Details | |
| HeartlandBlue Gold $0 Deductible NEtwork Blue PPO by Blue Cross and Blue Shield of Nebraska | Both | Gold | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Elevate by Medica Gold $0 Copay PCP Visits by Medica Insurance Company | Both | Gold | $1,325 / $2,650 | $7,750 / $15,500 | Price & Details | |
| Secure by Oscar Insurance Company | Obamacare | Catastrophic | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details |
Help with Obamacare & Off-Exchange Plans Sign Up
After using a subsidy tax credit, you may be eligible for Obamacare plans as low as $0.
Licensed insurance agents at our trusted partner help people apply for a subsidy and sign up for Obamacare plans available on healthcare.gov or other State exchange marketplaces.
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Learn More About Obamacare and Off-Exchange Plans in Nebraska
What are Obamacare Health Insurance Plans?
Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the federal government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the federal government allows certified brokers, agents, and web brokers to help you enroll in an Obamacare plan and apply for a subsidy.
What are Off-Exchange Health Insurance Plans?
Off-Exchange health insurance plans are plans which are available outside of the federal government exchange marketplaces. Off-Exchange plans existed before Obamacare. For example, if someone did not have access to a health insurance plan through work, they may have purchased an Off-Exchange plan offered on the Individual Market.
You can enroll in an Off-Exchange plan through a broker, agent, web broker, or by contacting the insurance company directly.
What’s the difference between Obamacare plans and Off-Exchange plans?
The main difference between Obamacare plans and Off-Exchange plans is that only Obamacare plans are eligible for a subsidy tax credit to reduce costs.
Otherwise there are not many other differences between Obamacare plans and Off-Exchange plans. Plan design, coverage, and rates are similar and both sets of plans must adhere to federal government regulations. In fact, there are many plans which are available as both Obamacare plans and as Off-Exchange plans.
Can a plan be both an Obamacare and Off-Exchange plan?
Yes, a plan can be available as both an Obamacare and an Off-Exchange plan.
On the other hand, some plans are only offered as Obamacare plans while other plans are only offered as Off-Exchange plans.
Do plans which are both Obamacare and Off-Exchange plans cost the same price?
Yes, by law a plan which is offered as both an Obamacare plan and an Off-Exchange plan must be sold at the same price. In addition, broker, agents, and web brokers are required to sell plans at the same market price. However, keep in mind that only Obamacare plans are eligible for a subsidy to reduce the monthly premium price.
Who is eligible for Obamacare and Off-Exchange plans?
Technically everyone is eligible for Obamacare plans and Off-Exchange plans. The real question is - who is eligible for a subsidy tax credit? - which can only be used to reduce the costs of Obamacare plans. Note that even if you are not eligible for a subsidy tax credit, you are still allowed to purchase an Obamacare plan at the full price.
What is the Obamacare Subsidy (Tax Credit)?
The Obamacare subsidy is really a tax credit, and it is formally known as the Advanced Premium Tax Credit (APTC). Typically people receive a tax credit at the end of the year when filing taxes, but this tax credit can be received “in advance”, during the year, to reduce the monthly premium costs of an Obamacare health insurance plan.
You must complete an official federal government application to learn your subsidy amount. Everyone’s amount will be different. The calculation for the subsidy amount can be quite complicated. It is based on several different factors, but household income is the main factor. We recommend using our tool to estimate your subsidy amount.
Search Obamacare plans and estimate subsidy amount
Who is eligible to receive an Obamacare Subsidy (Tax Credit)
To be eligible for a subsidy to reduce the monthly premium costs of Obamacare plans, you must meet the following requirements.
- Income requirements based on household size and household income. As examples, earn less than $48,240 for an individual and less than $98,400 for a family of four
- Not eligible for other federal government sponsored insurance, such as Medicare or Medicaid
- Do not have access to a health insurance plan from your employer which meet federal government coverage and affordability requirements
- File taxes or be claimed as a spouse or dependent on taxes. Married couples are required to file taxes jointly.
- Not be incarcerated
- Be legally present in the United States
Why should I consider Off-Exchange plans?
Off-Exchange plans may provide you with additional options compared to available Obamacare plans. If you are not eligible for a subsidy, or only eligible for a small subsidy amount, Off-Exchange plans may still be an affordable option for you.
A second reason for considering Off-Exchange plans is that your favorite doctor may only accept a plan which is available as an Off-Exchange plan. We recommend researching provider networks when considering health insurance plans. We provide links to official provider directories, or doctor lookups, on Health Plan Radar.
In addition, some health insurance companies have been leaving the Obamacare plan market, but they may still offer Off-Exchange plans. Your preferred insurance company may still offer plans on the Off-Exchange market.
How do I choose an Obamacare plan or Off-Exchange plan which is best for me and my family?
There are several health insurance concepts you should understand before choosing a plan that’s best for you, including premium price, out-of-pocket costs, deductibles, and plan metal levels. Visit our choosing a plan FAQ page to learn more.
FAQs - Choosing an Obamacare or Off-Exchange Health Insurance Plan