2026 plan year · Nebraska
2026 health insurance plans in Phelps County, NE
69 Marketplace plans from 5 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $757benchmark silver (age 40)
- $583cheapest bronze (age 40)
- 5insurers
- +23.2%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Ambetter from Nebraska Total Care. See what to do if your insurer leaves.
- New here: Ambetter Health.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $547 | $699 | $1,485 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| HeartlandBlue Bronze 6000 Blueprint Health w/ Adult Vision Blue Cross and Blue Shield of Nebraska · EPO | $456 | $583 | $1,238 | $6,000 | $10,600 | $50 |
| HeartlandBlue Bronze Standard 7500 Blueprint Health Blue Cross and Blue Shield of Nebraska · EPO | $459 | $587 | $1,247 | $7,500 | $10,000 | $50 |
| Standard Expanded Bronze Ambetter Health · EPO | $467 | $597 | $1,267 | $7,500 | $10,000 | $50 |
| HeartlandBlue Bronze HSA 6500 Blueprint Health Blue Cross and Blue Shield of Nebraska · EPO | $469 | $600 | $1,274 | $6,500 | $8,050 | 20% Coinsurance after deductible |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · EPO | $478 | $611 | $1,297 | $7,500 | $10,000 | $50 |
| Bronze Classic Oscar Insurance Company · EPO | $505 | $646 | $1,371 | $7,750 | $10,600 | $50 and 50% Coinsurance after deductible |
| Choice Bronze HSA Ambetter Health · EPO | $506 | $647 | $1,374 | $7,250 | $7,250 | No Charge after Deductible |
| Choice Bronze HSA + Vision + Adult Dental Ambetter Health · EPO | $518 | $662 | $1,407 | $7,250 | $7,250 | No Charge after Deductible |
| HeartlandBlue Bronze 6000 Premier Select BlueChoice w/ Adult Vision Blue Cross and Blue Shield of Nebraska · EPO | $520 | $664 | $1,410 | $6,000 | $10,600 | $50 |
| HeartlandBlue Bronze Standard 7500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska · EPO | $524 | $669 | $1,421 | $7,500 | $10,000 | $50 |
| Elite Bronze Ambetter Health · EPO | $532 | $680 | $1,443 | $0 | $10,500 | $50 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $533 | $681 | $1,445 | $7,500 | $10,000 | $50 |
| HeartlandBlue Bronze HSA 6500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska · EPO | $535 | $684 | $1,452 | $6,500 | $8,050 | 20% Coinsurance after deductible |
| Bronze Simple Diabetes Oscar Insurance Company · EPO | $543 | $693 | $1,472 | $5,500 | $10,150 | $50 |
| Elite Bronze + Vision + Adult Dental Ambetter Health · EPO | $544 | $696 | $1,478 | $0 | $10,500 | $50 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $567 | $725 | $1,539 | $7,500 | $10,000 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $571 | $729 | $1,548 | $0 | $10,600 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $593 | $758 | $1,610 | $0 | $10,600 | $50 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $608 | $777 | $1,650 | $0 | $10,600 | $50 |
| Medica Insure Bronze Share Medica · EPO | $715 | $914 | $1,942 | $8,000 | $10,600 | $50 |
| Medica Insure Expanded Bronze Standard Medica · EPO | $777 | $993 | $2,110 | $7,500 | $10,000 | $50 |
| Medica Insure Bronze Premier Medica · EPO | $800 | $1,022 | $2,170 | $2,000 | $10,600 | No Charge after Deductible |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| HeartlandBlue Silver Standard 6000 Blueprint Health Blue Cross and Blue Shield of Nebraska · EPO | $591 | $755 | $1,604 | $6,000 | $8,900 | $40 |
| HeartlandBlue Silver $0 PCP Visit 4500 Blueprint Health Blue Cross and Blue Shield of Nebraska · EPO | $593 | $757 | $1,608 | $4,500 | $9,500 | No Charge |
| HeartlandBlue Silver 4000 Blueprint Health Blue Cross and Blue Shield of Nebraska · EPO | $605 | $773 | $1,641 | $4,000 | $8,000 | $30 |
| Standard Silver Ambetter Health · EPO | $608 | $778 | $1,651 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter Health · EPO | $615 | $785 | $1,668 | $6,300 | $8,400 | $40 |
| Standard Silver + Vision + Adult Dental Ambetter Health · EPO | $623 | $796 | $1,691 | $6,000 | $8,900 | $40 |
| HeartlandBlue Silver HSA 5500 Blueprint Health w/ Adult Vision Blue Cross and Blue Shield of Nebraska · EPO | $627 | $801 | $1,702 | $5,500 | $6,000 | 50% Coinsurance after deductible |
| Focused Silver + Vision + Adult Dental Ambetter Health · EPO | $629 | $804 | $1,708 | $6,300 | $8,400 | $40 |
| Silver Classic Standard Oscar Insurance Company · EPO | $667 | $852 | $1,809 | $6,000 | $8,900 | $40 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $667 | $852 | $1,810 | $5,750 | $9,600 | $20 |
| Silver Simple Diabetes Oscar Insurance Company · EPO | $668 | $854 | $1,813 | $6,500 | $10,000 | No Charge |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company · EPO | $669 | $856 | $1,817 | $6,000 | $10,150 | No Charge |
| HeartlandBlue Silver Standard 6000 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska · EPO | $673 | $861 | $1,828 | $6,000 | $8,900 | $40 |
| HeartlandBlue Silver $0 PCP Visit 4500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska · EPO | $675 | $863 | $1,833 | $4,500 | $9,500 | No Charge |
| HeartlandBlue Silver 4000 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska · EPO | $689 | $881 | $1,871 | $4,000 | $8,000 | $30 |
| HeartlandBlue Silver HSA 5500 Premier Select BlueChoice w/ Adult Vision Blue Cross and Blue Shield of Nebraska · EPO | $715 | $913 | $1,939 | $5,500 | $6,000 | 50% Coinsurance after deductible |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $765 | $977 | $2,076 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $769 | $982 | $2,086 | $3,500 | $8,900 | $45 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $780 | $996 | $2,116 | $6,000 | $8,900 | $40 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $784 | $1,001 | $2,127 | $3,500 | $8,900 | $45 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $784 | $1,002 | $2,128 | $0 | $10,600 | $30 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $799 | $1,021 | $2,168 | $0 | $10,600 | $30 |
| Medica Insure Silver $0 Copay PCP Visits Medica · EPO | $1,035 | $1,323 | $2,810 | $3,500 | $10,450 | No Charge |
| Medica Insure Silver Share Medica · EPO | $1,062 | $1,358 | $2,883 | $3,525 | $8,850 | $30 |
| Medica Insure Silver Standard Medica · EPO | $1,077 | $1,376 | $2,922 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Clear Gold Ambetter Health · EPO | $608 | $776 | $1,649 | $1,200 | $9,150 | $25 |
| Clear Gold + Vision + Adult Dental Ambetter Health · EPO | $622 | $795 | $1,688 | $1,200 | $9,150 | $25 |
| Standard Gold Ambetter Health · EPO | $623 | $797 | $1,692 | $2,000 | $8,200 | $30 |
| HeartlandBlue Gold Standard 2000 Blueprint Health Blue Cross and Blue Shield of Nebraska · EPO | $632 | $808 | $1,716 | $2,000 | $8,200 | $30 |
| HeartlandBlue Gold $0 PCP Visit 1500 Blueprint Health Blue Cross and Blue Shield of Nebraska · EPO | $637 | $813 | $1,728 | $1,500 | $7,500 | No Charge |
| Standard Gold + Vision + Adult Dental Ambetter Health · EPO | $638 | $816 | $1,732 | $2,000 | $8,200 | $30 |
| HeartlandBlue Gold 1000 Blueprint Health w/ Adult Vision Blue Cross and Blue Shield of Nebraska · EPO | $650 | $831 | $1,765 | $1,000 | $5,500 | $30 |
| Gold Classic Standard Oscar Insurance Company · EPO | $697 | $891 | $1,893 | $2,000 | $8,200 | $30 |
| Elite Gold Ambetter Health · EPO | $707 | $903 | $1,919 | $0 | $6,500 | $5 |
| HeartlandBlue Gold Standard 2000 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska · EPO | $721 | $921 | $1,956 | $2,000 | $8,200 | $30 |
| Elite Gold + Vision + Adult Dental Ambetter Health · EPO | $724 | $925 | $1,964 | $0 | $6,500 | $5 |
| HeartlandBlue Gold $0 PCP Visit 1500 Premier Select BlueChoice Blue Cross and Blue Shield of Nebraska · EPO | $725 | $927 | $1,969 | $1,500 | $7,500 | No Charge |
| Gold Elite Oscar Insurance Company · EPO | $732 | $936 | $1,987 | $500 | $6,500 | $25 |
| HeartlandBlue Gold 1000 Premier Select BlueChoice w/ Adult Vision Blue Cross and Blue Shield of Nebraska · EPO | $741 | $947 | $2,011 | $1,000 | $5,500 | $30 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $779 | $996 | $2,114 | $2,000 | $8,200 | $30 |
| UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $789 | $1,009 | $2,143 | $1,750 | $8,200 | $35 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $817 | $1,044 | $2,217 | $0 | $7,700 | $25 |
| UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $832 | $1,063 | $2,257 | $0 | $7,700 | $25 |
| Medica Insure Gold $0 Copay PCP Visits Medica · EPO | $1,013 | $1,295 | $2,750 | $1,500 | $8,800 | No Charge |
| Medica Insure Gold Share Medica · EPO | $1,043 | $1,333 | $2,831 | $2,500 | $5,900 | $30 |
| Medica Insure Gold Standard Medica · EPO | $1,063 | $1,359 | $2,886 | $2,000 | $8,200 | $30 |
Care quality in Phelps County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Phelps County.
Frequently asked questions
How many Marketplace health plans are available in Phelps County, NE for 2026?
69 plans from 5 insurers: Ambetter Health, Blue Cross and Blue Shield of Nebraska, Medica, Oscar Insurance Company, UnitedHealthcare.
What is the benchmark silver plan premium in Phelps County, NE?
For 2026, the second-lowest-cost silver plan costs $757 a month for a 40-year-old before tax credits, up 23.2% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Phelps County, NE?
The lowest bronze premium for a 40-year-old is $583 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Phelps County, NE?
Ambetter from Nebraska Total Care offered plans here in 2025 but doesn't for 2026. If you had one of their plans, you'll need to pick a new plan during open enrollment, or you may be moved to a similar plan automatically.