Nebraska
Cheapest ACA plans in Lancaster County, Nebraska for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Lancaster County, Nebraska has 5 on-exchange carriers offering 84 plans 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.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in 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 Lancaster County
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 Lancaster County
5 carriers sell 2026 plans on Healthcare.gov; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 116 plans total in this 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 |
Frequently asked questions
What is the cheapest ACA plan in Lancaster County, 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. Data refreshed 2026-04-19T08:08:55.462Z.
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
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. Methodology and full data attribution at about.