Serving Nebraska

Health Insurance in Nebraska

Compare your Nebraska coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.

Licensed in Nebraska

Verifiable credentials, NPN 21610992.

Direct Advisor Access

Talk to a licensed advisor, not a call center.

Guidance Without Pressure

Understand your options at your own pace.

Licensed advisor helping a Nebraska client compare health insurance
How It Works Here

How Health Insurance Works in Nebraska

Nebraska residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Nebraska is the first step toward a plan that fits.

Nebraska Marketplace

Nebraska uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers.

Subsidies & Tax Credits

Nebraska has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.

Open Enrollment

Open enrollment for Nebraska plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.

Licensed Guidance

Jordon Murphy Health is a licensed advisory firm serving Nebraska residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.

First In The Nation

What Nebraska's New Medicaid Work Requirements Mean For You

Nebraska volunteered to go first — here's what that means if you or someone you know is affected.

First in the Nation

Nebraska became the first state to implement Medicaid work requirements under the federal One Big Beautiful Bill Act, launching May 1, 2026, about eight months ahead of the January 1, 2027 deadline other states face.

The 80-Hour Rule

Adults 19-64 on Heritage Health Adult must document at least 80 hours a month of work, school, or volunteering, or at least $580 in monthly earnings, to keep coverage, unless they qualify for an exemption.

Tens of Thousands at Risk

Nebraska DHHS mailed notices to the state's roughly 70,000 Medicaid expansion enrollees starting in December 2025. Independent estimates project 20,000 to 40,000 could lose coverage, with the first disenrollments beginning summer 2026.

Losing Medicaid Opens a Longer Window

If you lose Medicaid coverage from the new requirements, you qualify for a 90-day special enrollment period on the federal marketplace, longer than the standard 60 days most other qualifying life events allow.

Who We Help in Nebraska

Coverage Guidance for Every Nebraska Situation

We serve Nebraska residents across Omaha, Lincoln, Bellevue, Grand Island, and Kearney and statewide.

Common Questions

Nebraska Health Insurance FAQ

I might lose Medicaid because of Nebraska's new work requirements — what are my options?

Nebraska is the first state in the nation to enforce Medicaid work requirements, effective May 1, 2026, affecting an estimated 70,000 adults on Heritage Health Adult. If you lose Medicaid coverage, you qualify for a 90-day special enrollment period on the federal marketplace, longer than most other qualifying life events allow. We help you navigate that window and find a plan that fits your situation.

Where do I buy individual health insurance in Nebraska?

Nebraska uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.

Can I get a subsidy on Nebraska health insurance?

Many residents qualify for income-based premium tax credits that lower monthly costs. Nebraska has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.

When is open enrollment in Nebraska?

Open enrollment for Nebraska plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.

Do you help self-employed people and small businesses in Nebraska?

Yes. We work with Nebraska individuals, families, self-employed professionals, and small business owners across Omaha, Lincoln, Bellevue, Grand Island, and Kearney and statewide, matching each situation to the right coverage.

Get Clearer Direction on Nebraska Coverage

Talk through your options with a licensed advisor who serves Nebraska. No cost, no pressure.