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Authorized Healthcare.gov Partner &
Award-winning Agency
We are excited to provide you with a wide range of health insurance options, including Affordable Care Act (ACA) plans from reputable companies in Nebraska. Our aim is to help you find the best coverage that suits your individual, family, or small business needs. We understand the challenges that come with selecting the right plan and are dedicated to ensuring a seamless and stress-free process for you.
How the Health Insurance Marketplace(Obamacare) Works in Nebraska
Navigating the Health Insurance Marketplace in Nebraska, also known as the Affordable Care Act(ACA) or Obamacare, might seem overwhelming, but don’t worry—we’re here to make it easy for you! The Marketplace is a one-stop shop where you can compare a variety of health insurance plans and find one that suits your needs and budget. ​
What You Need to Know:
1. Simple Plan Comparisons: The Marketplace lets you easily compare different health insurance plans side by side. Whether you're looking for basic coverage or something more comprehensive, you’ll find options that fit your lifestyle. And the best part? We’re just a phone call away to guide you through it all!
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2. Save with Subsidies: Many people in Nebraska qualify for subsidies or tax credits that can make your health insurance more affordable. We can help you determine if you qualify and show you how much you could save.
3. Coverage You Can Count On: All Marketplace plans cover essential health benefits like doctor visits, hospital stays, preventive care, and prescriptions. This means you can rest easy knowing that your health is in good hands.
4. Flexible Enrollment Periods: While Open Enrollment runs from November 1 to January 15, life happens, and you might qualify for a Special Enrollment Period if you’ve experienced certain changes like moving to Nebraska or losing other coverage. Give us a call, and we’ll help you find out if you’re eligible to enroll right now.
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5. Local Support: We know that figuring out health insurance can be tricky, but you don’t have to do it alone. Reach out to us, and we’ll walk you through your options, answer your questions, and help you find the perfect plan.
Find Affordable ACA Health Insurance Plans Across Omaha & Nebraska Cities
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The Affordable Care Act (ACA) has made a big impact on how we buy health insurance. For many, it’s opened doors to better access to care. But for others, it might mean dealing with smaller networks and fewer choices. That’s why it’s so important to work with a knowledgeable representative who can help you compare your options and find the plan that’s truly right for you.
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Let's explore some of the key features and benefits of each plan category:​​​
Bronze Plans
​Pros:
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Lower Monthly Premiums: Bronze plans have the lowest monthly premiums among the metal categories, making them a budget-friendly option for those who want basic coverage.
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Catastrophic Coverage: Ideal for those who are generally healthy and want to protect themselves from worst-case scenarios like severe illness or injury.
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Cons:
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Higher Out-of-Pocket Costs: With lower premiums come higher deductibles and out-of-pocket costs. You’ll pay more when you need care, which can add up if you have frequent medical visits.
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Basic Coverage: While it covers essential health benefits, the coverage is more limited, meaning you may have higher costs before the insurance kicks in.
Silver Plans
Pros:
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Balanced Costs: Silver plans offer a middle ground with moderate premiums and out-of-pocket costs, making them a popular choice for many Nebraskans.
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Cost-Sharing Reductions: If you qualify for subsidies, Silver plans offer additional savings that lower your deductibles, copayments, and coinsurance.
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Cons:
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Higher Premiums than Bronze: While not as expensive as Gold plans, Silver plans do come with higher premiums than Bronze, which might not fit everyone’s budget.
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Moderate Coverage: Although Silver plans provide balanced coverage, they may not be sufficient if you expect high medical expenses.
Gold Plans
​​Pros:
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Lower Out-of-Pocket Costs: Gold plans cover a larger portion of your healthcare costs, meaning you’ll pay less out-of-pocket when you need medical services.
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Comprehensive Coverage: With more coverage upfront, Gold plans are ideal for those who expect frequent medical visits or need regular prescriptions.
Cons:
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Higher Monthly Premiums: Gold plans come with higher premiums, which can be a significant monthly expense. This plan is best for those who can afford the upfront cost for better coverage.
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Not Ideal for the Healthy and Young: If you’re healthy and don’t visit the doctor often, the higher premiums might not be worth the extra coverage.
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Will Medicaid's "unwinding" of continuous coverage affect me?The "unwinding" of Medicaid's continuous coverage has raised concerns among millions of people, including those who are still eligible for Medicaid, as it may result in the loss of coverage or gaps in coverage. This poses several challenges for enrollees, such as confusion around renewal procedures, difficulty transitioning to other coverage, and dealing with the loss of coverage, which may lead to a gap and require them to reapply for Medicaid. Those who haven't updated their contact information may not receive notice of renewal, and renewal forms may be confusing, with unclear action steps. Additionally, not all states permit online or phone renewals. Enrollees who are no longer eligible for Medicaid may not be aware of their options to obtain coverage through the Affordable Care Act marketplace or how to enroll. Contact us today at (402) 204-8248 to discuss your Medicaid renewal strategy!
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How do I apply for Medicaid in Nebraska?To enroll for Medicaid in Nebraska, you can submit an application online or by phone at any time of the year. If you're under 65 and don't have Medicare, you can enroll online at HealthCare.gov or connect with one of our agents at (402) 204-8248. Enrollment is also available through ACCESSNebraska and their Do I Qualify screening tool can help determine your eligibility for other public programs. If you're 65 or older or have Medicare, you can apply online or by calling (855) 632-7633.
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What exactly does NE Medicaid cover?Nebraska Medicaid provides comprehensive coverage for medically necessary services, including ambulance travel, chiropractic services, dental care, durable medical equipment and supplies, family planning, early and periodic screening, hearing aids, home health services, hospice, hospital services, intermediate care facilities for persons with intellectual disabilities, institutes for mental disease, lab tests and X-rays, mental health and substance abuse services, non-emergency medical transportation, nursing facility services, physician services (with some exclusions), personal assistance for disabled persons, podiatry, prescription drugs and some over-the-counter medicines, screening services, therapy, and vision services. However, there may be limitations on these services, and coverage is subject to change each year.
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What's Nebraska Medicaid eligibility and income criteria for 2023?The eligibility criteria for Nebraska Medicaid in 2023 is primarily determined by household income and family size, and certain resources are not counted towards income. This includes a home, one vehicle, business-related property, and certain burial funds. The first $4,000 in resources ($6,000 for couples and additional $25 per family member) are also excluded. Children under 18 are not subject to income analysis. To qualify, you must have an annual household income (before taxes) that falls below these amounts:
***HealthCare.gov Disclaimer: This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the Federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.