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Nebraska Health Insurance Marketplace

With most of the Affordable Care Act’s major provisions now in effect, the nation’s health insurance marketplace has undergone a significant transformation. Obamacare impacts individuals, families and small business owners alike. Most Americans are required to have minimum essential coverage unless they qualify for an exemption; however, the law is designed to make health insurance more accessible and affordable with income-based financial assistance and one-stop shopping via state-based and federally facilitated exchanges. Meanwhile, the private marketplace remains a place to shop for quality, affordable health insurance plans that meet ACA requirements.

The following guide offers a glimpse at the various types of ACA-compliant health insurance in Nebraska, including individual and family health plans, small group health plans, coverage for high-risk applicants, mini-COBRA continuation coverage, Medicaid, and CHIP.

Health and healthcare in Nebraska

Nebraska placed 10th in United Health Foundation’s 2014 America’s Health Rankings.1 Its strengths include a low rate of drug deaths, low prevalence of low birthweight, and few poor mental and physical health days per month. Nebraska’s challenges include a high prevalence of binge drinking, a moderate prevalence of obesity, and a large disparity in health status by educational attainment.

Nebraska individual and family health insurance

Nebraska is among the majority of states that opted to participate in the federal Health Insurance Marketplace. Nebraska’s federally facilitated health insurance exchange provides individuals and families with access to qualified health plans.

Nebraskans can also buy qualified health plans away from the Obamacare exchanges in the private marketplace.Websites such as can help consumers find affordable coverage that meets their healthcare needs. Check out’s tax subsidy calculator to see if you qualify for a tax credit. If you do, visit Nebraska’s Health Insurance Marketplace to apply for health insurance coverage.

The U.S. Department of Health and Human Services reported that 42,975 individuals in Nebraska selected a marketplace plan through the exchange from Oct. 1, 2013, through April 19, 2014.2 In 2015, the number of individuals in Nebraska enrolled in a marketplace plan increased to 74,152 during the open enrollment period.3

Nebraska’s health insurance exchange:
Nebraska department of insurance:

Nebraska small group health insurance plans

Small business owners who live in Nebraska can provide their employees with access to coverage through the federal marketplace’s Small Business Health Options Program (SHOP). Small businesses that use SHOP and have 25 or fewer employees may qualify for a Small Business Healthcare Tax Credit.

Self-employed individuals with no employees must apply for an individual health insurance plan on or away from Nebraska’s federally facilitated exchange.

Nebraska state COBRA variations for small groups

The Consolidated Omnibus Reconciliation Act (COBRA) allows those employed by businesses with 20 or more employees to continue their group health insurance plan for a limited time should they lose coverage due to qualifying events such as termination of employment due to reasons other than gross misconduct, a reduction in work hours, divorce or legal separation, and loss of dependency status. To learn more about the federal COBRA program, visit

In some states, those who work for a small business and lose health insurance coverage due to a qualifying event may be eligible for health insurance continuation through mini-COBRA or a similar state continuation program. In a few states, these programs may also be extended to those who work for larger companies and exhaust their federal COBRA continuation coverage limit. Mini-COBRA generally works like the federal COBRA continuation coverage, but its terms may vary.

Nebraska’s small group COBRA continuation variations are as follows:

Mini-COBRA option Yes
Eligible group sizes 2-19
Maximum continuation period – standard 6 months
Maximum premium Increase 102 percent
State legislation reference NE Stat. Sec. 44-1640

Nebraska high-risk pools

It used to be that health insurance companies could deny applicants or charge them more based on health history and preexisting conditions. When the Affordable Care Act was passed in 2010, many states created federally funded preexisting condition insurance programs or accepted federal funding to assist with similar high-risk pool programs they already operated. 4

The Affordable Care Act prohibits this practice for health insurance plans considered minimum essential coverage with effective dates beginning Jan. 1, 2014, and later. As such, the PCIPs and state high-risk pools created to provide health insurance for those once considered uninsurable are being phased out.

Nebraska Medicaid

Medicaid is a state health insurance program for low-income individuals under age 65, pregnant women, children, disabled individuals, and seniors over age 65; it is partially funded by the federal government. In 2014, states were given the option to accept additional federal funding and expand their Medicaid program eligibility to those who make up to 133 percent of the federal poverty level (effectively 138 percent due to how it is calculated, according to

Nebraska did not expand Medicaid to low-income adults without dependents in 2014.6 In 2014, a coverage gap was created in states where Medicaid was not expanded. This coverage gap includes those whose incomes are too high for Medicaid but too low to receive federal premium and cost-sharing assistance when shopping the state’s federally facilitated health insurance exchange.

The information below is specific to Nebraska’s Medicaid program:

Medicaid expansion No
Governing agency Centers for Medicare & Medicaid
Administrator Nebraska Department of Health & Human Services
Where to apply
Phone number 855-632-7633 — Medical Eligibility Customer Service
More information
Open-enrollment period Year-round in all states

Nebraska CHIP

The Children’s Health Insurance Program is a partnership between the states and federal government. CHIP provides health insurance to uninsured children who meet certain eligibility guidelines.

The information below is specific to Nebraska’s health insurance program for low-income children:

Program name MassHealth
Where to apply
Phone number 855-632-7633 — Medical Eligibility Customer Service
Eligibility7 Based in family income; children may be eligible:

  • If they are under age 19
  • If they live in Nebraska
  • Even if both parents live at home
  • Even if one or both parents work full-time.

1 United Health Foundation. 2014 America’s Health Rankings Annual Edition. “Annual State Health Rankings.”

2 Kaiser Family Foundation

3 Kaiser Family Foundation

4 National Conference of State Legislators. Coverage of Uninsurable Pre-Existing Conditions: State and Federal High-Risk Pools. Updated April 2014.

5 Centers for Medicare & Medicaid Services. “Medicaid Expansion & What It Means for You.” N.D.

6 U.S. Department of Health & Human Services, Office of the Assistant Secretary for Planning and Evaluation. “Profile of Affordable Care Act Coverage Expansion Enrollment for Medicaid/CHIP and the Health Insurance Marketplace 10-1-2013 to 3-31-2014. Nebraska.”  April 2014.

7 Nebraska Department of Health & Human Services. “Nebraska Medicaid Program Children’s Health Insurance Program (CHIP).”