What health insurance costs without a subsidy in Otoe County, Nebraska (2026)
In Otoe County, Nebraska, the benchmark silver plan costs $701.02/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $532.62 to $1331.00. A 60-year-old pays at least $1131.08/month, a 21-year-old at least $416.77. 5 insurers offer 72 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $416.77/mo
- Age 40 — starting at $532.62/mo
- Age 60 — starting at $1131.08/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $601.04/mo
- Silver — starting at $694.07/mo
- Gold — starting at $692.95/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter Health, Blue Cross and Blue Shield of Nebraska, Medica, Oscar Insurance Company, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Otoe County (FIPS 31131).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Nebraska
- Arthur County — $834.38/mo benchmark
- Banner County — $834.38/mo benchmark
- Box Butte County — $834.38/mo benchmark
- Brown County — $834.38/mo benchmark
- Chase County — $834.38/mo benchmark
Plans available in this county (72)
- UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) — Bronze · $601.04/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $532.62/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $545.31/mo @ 40
- Bronze Classic — Expanded Bronze · $555.09/mo @ 40
- HeartlandBlue Bronze 6000 Blueprint Health w/ Adult Vision — Expanded Bronze · $570.62/mo @ 40
- HeartlandBlue Bronze Standard 7500 Blueprint Health — Expanded Bronze · $575.03/mo @ 40
- Choice Bronze HSA — Expanded Bronze · $577.47/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $585.24/mo @ 40
- HeartlandBlue Bronze HSA 6500 Blueprint Health — Expanded Bronze · $587.33/mo @ 40
- Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $591.23/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $596.15/mo @ 40
- Elite Bronze — Expanded Bronze · $606.57/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $621.02/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $622.85/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $626.97/mo @ 40
- HeartlandBlue Bronze 6000 Premier Select BlueChoice w/ Adult Vision — Expanded Bronze · $631.38/mo @ 40
- HeartlandBlue Bronze Standard 7500 Premier Select BlueChoice — Expanded Bronze · $636.26/mo @ 40
- HeartlandBlue Bronze HSA 6500 Premier Select BlueChoice — Expanded Bronze · $649.88/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $651.55/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $667.89/mo @ 40
- Medica with CHI Health Bronze $0 Copay PCP Visits — Expanded Bronze · $715.47/mo @ 40
- Medica with CHI Health Expanded Bronze Standard — Expanded Bronze · $723.85/mo @ 40
- Medica with CHI Health Bronze Premier — Expanded Bronze · $744.72/mo @ 40
- Medica Insure Expanded Bronze Standard — Expanded Bronze · $960.87/mo @ 40
- Clear Gold — Gold · $692.95/mo @ 40
- Clear Gold + Vision + Adult Dental — Gold · $709.46/mo @ 40
- Standard Gold — Gold · $711.03/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $727.98/mo @ 40
- Gold Classic Standard — Gold · $766.28/mo @ 40
- HeartlandBlue Gold Standard 2000 Blueprint Health — Gold · $791.34/mo @ 40
- HeartlandBlue Gold $0 PCP Visit 1500 Blueprint Health — Gold · $796.58/mo @ 40
- Gold Elite — Gold · $804.73/mo @ 40
- Elite Gold — Gold · $806.39/mo @ 40
- HeartlandBlue Gold 1000 Blueprint Health w/ Adult Vision — Gold · $813.73/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $825.61/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $855.63/mo @ 40
- UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $867.02/mo @ 40
- HeartlandBlue Gold Standard 2000 Premier Select BlueChoice — Gold · $875.61/mo @ 40
- HeartlandBlue Gold $0 PCP Visit 1500 Premier Select BlueChoice — Gold · $881.40/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — Gold · $897.08/mo @ 40
Showing first 40 of 72 plans on file.
Reviewed by Jason Burns, Editorial Steward.