Nebraska
Cheapest ACA plans in Lincoln, Nebraska for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Lincoln is in Lancaster County, Nebraska. 5 carriers sell 2026 ACA plans on Healthcare.gov for residents of Lancaster County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $517/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Lancaster County, including Lincoln.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Lincoln (Lancaster County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Lancaster County |
|---|---|---|
| Expanded Bronze | $517 | 27 |
| Bronze | $601 | 1 |
| Silver | $681 | 30 |
| Gold | $693 | 26 |
The actual cheapest Bronze plan in Lincoln
Oscar Insurance Company Bronze Classic | with Bryan Health
$517/moFor a family of four (two 40-year-olds and two kids under 14): Oscar Insurance Company Bronze Classic | with Bryan Health at $1,654/month before subsidies.
Carriers selling 2026 plans in Lincoln
5 carriers sell 2026 plans on Healthcare.gov for Lancaster County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 116 plans total in Lancaster County.
| Carrier | On-exchange plans |
|---|---|
| Medica | 21 |
| BlueCross BlueShield of Nebraska | 20 |
| Ambetter | 16 |
| UnitedHealthcare | 14 |
| Oscar | 13 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Bankers Reserve Life Insurance Company of Wisconsin | 26 |
What you'll actually pay in Lincoln
Estimated monthly net premium for the cheapest Bronze plan above ($517/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Lancaster Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $585/mo | $0/mo |
| $40,000 | 256% | $395/mo | $122/mo |
| $60,000 | 383% | $184/mo | $333/mo |
| $100,000 | 639% | — | $517/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,620/mo | $34/mo |
| $130,000 | 404% | — | $1,654/mo |
| $200,000 | 622% | — | $1,654/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Lincoln, Nebraska for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Oscar Insurance Company Bronze Classic | with Bryan Health at $517 per month before subsidies. Plans sell through Healthcare.gov. Lincoln is in Lancaster County, Nebraska; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Lincoln's 2026 ACA pricing compare to other Nebraska cities?
Cheapest Bronze for a 40-year-old in Lincoln is $517 per month before subsidies. For comparison: Omaha at $494/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does Nebraska use Healthcare.gov?
Yes. Nebraska participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Nebraska does not operate a state-based exchange for PY2026.
Has Nebraska expanded Medicaid?
Yes, effective October 1, 2020. Nebraska voters approved Initiative 427 in November 2018 with about 53% support. Implementation was delayed by the legislature and required federal involvement before rollout completed. Adults 19-64 up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap.
Which carriers participate on Healthcare.gov in Nebraska?
Blue Cross Blue Shield of Nebraska holds a dominant share of the individual market and is often the only on-exchange carrier in rural counties. Medica and Ambetter (Celtic) typically participate in the Omaha and Lincoln metros. Verify your county's specific carrier lineup during Open Enrollment.
More Nebraska pricing
- Statewide Nebraska pricing and metal tiers
- Full Lancaster County pricing
- Omaha pricingcheapest Bronze $494/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Nebraska Department of Insurance for rate review, carrier filings, and consumer guidance.
- Nebraska Department of Health and Human Services: Medicaid for Heritage Health / Heritage Health Adult eligibility and enrollment.
- KFF: Nebraska State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.