HeartlandBlue Silver $0 PCP Visit 4500 Premier Select BlueChoice — full price in Lancaster County, Nebraska (2026)
HeartlandBlue Silver $0 PCP Visit 4500 Premier Select BlueChoice (29678NE1470008), a silver plan from Blue Cross and Blue Shield of Nebraska in Lancaster County, Nebraska, costs $820.62/month full price for a 40-year-old in 2026 — $1742.70 at 60, with a $4,500 deductible and $9,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 29678NE1470008 · Issuer: Blue Cross and Blue Shield of Nebraska · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $642.12 |
| 27 | $672.94 |
| 30 | $728.80 |
| 40 | $820.62 |
| 50 | $1146.82 |
| 60 | $1742.70 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,500
- Family deductible: $9,000
- Individual out-of-pocket max: $9,500
- Family out-of-pocket max: $19,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $681.64/mo. This plan is $820.62/mo at 40 — a difference of $138.98/mo.
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 — how much less depends on income, household size, and county benchmark.
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Other silver plans in Lancaster County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | with Bryan Health | Oscar Insurance Company | $681.38 |
| Silver Simple PCP Saver | with Bryan Health | Oscar Insurance Company | $681.64 |
| Silver Simple Diabetes | with Bryan Health | Oscar Insurance Company | $682.97 |
| Silver Simple Women's Health with Menopause Benefits | with Bryan Health | Oscar Insurance Company | $684.29 |
| Standard Silver | Ambetter Health | $694.07 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 29678NE1470008 in FIPS 31109.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lancaster County
Reviewed by Jason Burns, Editorial Steward.