2026 plan year · Nebraska
2026 health insurance plans in Wayne County, NE
58 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.
- $785benchmark silver (age 40)
- $597cheapest bronze (age 40)
- 5insurers
- +27.7%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 |
| HeartlandBlue Bronze 0% Coinsurance after Deductible NEtwork Blue PPO Blue Cross and Blue Shield of Nebraska · PPO | $587 | $750 | $1,592 | $10,500 | $10,500 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Expanded Bronze Ambetter Health · EPO | $467 | $597 | $1,267 | $7,500 | $10,000 | $50 |
| 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 |
| 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 |
| 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 |
| HeartlandBlue Bronze Standard 7500 NEtwork Blue PPO Blue Cross and Blue Shield of Nebraska · PPO | $639 | $817 | $1,735 | $7,500 | $10,000 | $50 |
| HeartlandBlue Bronze HSA 6500 NEtwork Blue PPO Blue Cross and Blue Shield of Nebraska · PPO | $653 | $834 | $1,772 | $6,500 | $8,050 | 20% Coinsurance after deductible |
| 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 |
|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| HeartlandBlue Silver Standard 6000 NEtwork Blue PPO Blue Cross and Blue Shield of Nebraska · PPO | $822 | $1,051 | $2,231 | $6,000 | $8,900 | $40 |
| HeartlandBlue Silver $0 PCP Visit 4500 NEtwork Blue PPO Blue Cross and Blue Shield of Nebraska · PPO | $824 | $1,054 | $2,238 | $4,500 | $9,500 | No Charge |
| HeartlandBlue Silver HSA 5500 NEtwork Blue w/ Adult Vision PPO Blue Cross and Blue Shield of Nebraska · PPO | $872 | $1,115 | $2,368 | $5,500 | $6,000 | 50% Coinsurance after deductible |
| 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 |
| Standard Gold + Vision + Adult Dental Ambetter Health · EPO | $638 | $816 | $1,732 | $2,000 | $8,200 | $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 |
| Elite Gold + Vision + Adult Dental Ambetter Health · EPO | $724 | $925 | $1,964 | $0 | $6,500 | $5 |
| Gold Elite Oscar Insurance Company · EPO | $732 | $936 | $1,987 | $500 | $6,500 | $25 |
| 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 |
| HeartlandBlue Gold Standard 2000 NEtwork Blue PPO Blue Cross and Blue Shield of Nebraska · PPO | $880 | $1,124 | $2,387 | $2,000 | $8,200 | $30 |
| HeartlandBlue Gold $0 PCP Visit 1500 NEtwork Blue PPO Blue Cross and Blue Shield of Nebraska · PPO | $886 | $1,132 | $2,403 | $1,500 | $7,500 | No Charge |
| HeartlandBlue Gold 1000 NEtwork Blue w/ Adult Vision PPO Blue Cross and Blue Shield of Nebraska · PPO | $905 | $1,156 | $2,455 | $1,000 | $5,500 | $30 |
| 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 Wayne 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 Wayne County.
Frequently asked questions
How many Marketplace health plans are available in Wayne County, NE for 2026?
58 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 Wayne County, NE?
For 2026, the second-lowest-cost silver plan costs $785 a month for a 40-year-old before tax credits, up 27.7% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Wayne County, NE?
The lowest bronze premium for a 40-year-old is $597 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Wayne 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.