Health insurance prices in Phelps County, NE (2026)
69 marketplace plans from 5 insurers. Cheapest plan $583/mo; typical Silver $861/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 3.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
Compare options
Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $583–$1,022 (typical $681) · Silver $755–$1,376 (typical $861) · Gold $776–$1,359 (typical $925)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 16 | $597 | $655 | $791 | $806 | Standard Expanded Bronze | |
| Blue Cross and Blue Shield of NebraskaIndependent Blue Cross Blue Shield company | 20 | $583 | $632 | $831 | $876 | HeartlandBlue Bronze 6000 Blueprint Health w/ Adult Vision | |
| Oscar Health | 10 | $646 | $687 | $853 | $914 | Bronze Classic | |
| UnitedHealthcareUnitedHealth Group | 14 | $699 | $741 | $999 | $1,026 | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) | |
| Medica | 9 | $914 | $993 | $1,358 | $1,333 | Medica Insure Bronze Share |
All 69 plans in Phelps County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Bronze 6000 Blueprint Health w/ Adult Vision | Expanded Bronze | EPO | $583 | $6,000 | $10,600 | $17,593 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Bronze Standard 7500 Blueprint Health | Expanded Bronze | EPO | $587 | $7,500 | $10,000 | $17,047 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | EPO | $597 | $7,500 | $10,000 | $17,161 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Bronze HSA 6500 Blueprint Health | Expanded Bronze | EPO | $600 | $6,500 | $8,050 | $15,248 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $611 | $7,500 | $10,000 | $17,332 | |
| Oscar Health | Bronze Classic | Expanded Bronze | EPO | $646 | $7,750 | $10,600 | $18,347 | |
| Ambetter (Centene) | Choice Bronze HSA | Expanded Bronze | EPO | $647 | $7,250 | $7,250 | $15,014 | |
| Ambetter (Centene) | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | EPO | $662 | $7,250 | $7,250 | $15,199 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Bronze 6000 Premier Select BlueChoice w/ Adult Vision | Expanded Bronze | EPO | $664 | $6,000 | $10,600 | $18,569 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Bronze Standard 7500 Premier Select BlueChoice | Expanded Bronze | EPO | $669 | $7,500 | $10,000 | $18,031 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | EPO | $680 | $0 | $10,500 | $18,655 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $681 | $7,500 | $10,000 | $18,168 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Bronze HSA 6500 Premier Select BlueChoice | Expanded Bronze | EPO | $684 | $6,500 | $8,050 | $16,252 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $693 | $5,500 | $10,150 | $18,470 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $696 | $0 | $10,500 | $18,849 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) | Bronze | EPO | $699 | $10,600 | $10,600 | $18,993 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $725 | $7,500 | $10,000 | $18,697 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $729 | $0 | $10,600 | $19,350 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Silver Standard 6000 Blueprint Health | Silver | EPO | $755 | $6,000 | $8,900 | $17,963 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Silver $0 PCP Visit 4500 Blueprint Health | Silver | EPO | $757 | $4,500 | $9,500 | $18,589 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $758 | $0 | $10,600 | $19,698 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Silver 4000 Blueprint Health | Silver | EPO | $773 | $4,000 | $8,000 | $17,275 | |
| Ambetter (Centene) | Clear Gold | Gold | EPO | $776 | $1,200 | $9,150 | $18,467 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | EPO | $777 | $0 | $10,600 | $19,926 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $778 | $6,000 | $8,900 | $18,232 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $785 | $6,300 | $8,400 | $17,825 | |
| Ambetter (Centene) | Clear Gold + Vision + Adult Dental | Gold | EPO | $795 | $1,200 | $9,150 | $18,689 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $796 | $6,000 | $8,900 | $18,454 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $797 | $2,000 | $8,200 | $17,760 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Silver HSA 5500 Blueprint Health w/ Adult Vision | Silver | EPO | $801 | $5,500 | $6,000 | $15,617 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $804 | $6,300 | $8,400 | $18,050 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Gold Standard 2000 Blueprint Health | Gold | EPO | $808 | $2,000 | $8,200 | $17,898 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Gold $0 PCP Visit 1500 Blueprint Health | Gold | EPO | $813 | $1,500 | $7,500 | $17,262 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $816 | $2,000 | $8,200 | $17,987 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Gold 1000 Blueprint Health w/ Adult Vision | Gold | EPO | $831 | $1,000 | $5,500 | $15,472 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $852 | $6,000 | $8,900 | $19,123 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $852 | $5,750 | $9,600 | $19,826 | |
| Oscar Health | Silver Simple Diabetes | Silver | EPO | $854 | $6,500 | $10,000 | $20,247 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | Silver | EPO | $856 | $6,000 | $10,150 | $20,417 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Silver Standard 6000 Premier Select BlueChoice | Silver | EPO | $861 | $6,000 | $8,900 | $19,229 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Silver $0 PCP Visit 4500 Premier Select BlueChoice | Silver | EPO | $863 | $4,500 | $9,500 | $19,857 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Silver 4000 Premier Select BlueChoice | Silver | EPO | $881 | $4,000 | $8,000 | $18,570 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $891 | $2,000 | $8,200 | $18,894 | |
| Ambetter (Centene) | Elite Gold | Gold | EPO | $903 | $0 | $6,500 | $17,342 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Silver HSA 5500 Premier Select BlueChoice w/ Adult Vision | Silver | EPO | $913 | $5,500 | $6,000 | $16,959 | |
| Medica | Medica Insure Bronze Share | Expanded Bronze | EPO | $914 | $8,000 | $10,600 | $21,571 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Gold Standard 2000 Premier Select BlueChoice | Gold | EPO | $921 | $2,000 | $8,200 | $19,251 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | EPO | $925 | $0 | $6,500 | $17,600 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Gold $0 PCP Visit 1500 Premier Select BlueChoice | Gold | EPO | $927 | $1,500 | $7,500 | $18,624 | |
| Oscar Health | Gold Elite | Gold | EPO | $936 | $500 | $6,500 | $17,731 | |
| Blue Cross and Blue Shield of Nebraska | HeartlandBlue Gold 1000 Premier Select BlueChoice w/ Adult Vision | Gold | EPO | $947 | $1,000 | $5,500 | $16,864 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $977 | $6,000 | $8,900 | $20,630 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Silver | EPO | $982 | $3,500 | $8,900 | $20,688 | |
| Medica | Medica Insure Expanded Bronze Standard | Expanded Bronze | EPO | $993 | $7,500 | $10,000 | $21,921 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $996 | $2,000 | $8,200 | $20,148 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | EPO | $996 | $6,000 | $8,900 | $20,857 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | EPO | $1,001 | $3,500 | $8,900 | $20,916 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $1,002 | $0 | $10,600 | $22,625 | |
| UnitedHealthcare | UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | EPO | $1,009 | $1,750 | $8,200 | $20,307 | |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $1,021 | $0 | $10,600 | $22,852 | |
| Medica | Medica Insure Bronze Premier | Expanded Bronze | EPO | $1,022 | $2,000 | $10,600 | $22,864 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Gold | EPO | $1,044 | $0 | $7,700 | $20,226 | |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | EPO | $1,063 | $0 | $7,700 | $20,454 | |
| Medica | Medica Insure Gold $0 Copay PCP Visits | Gold | EPO | $1,295 | $1,500 | $8,800 | $24,338 | |
| Medica | Medica Insure Silver $0 Copay PCP Visits | Silver | EPO | $1,323 | $3,500 | $10,450 | $26,327 | |
| Medica | Medica Insure Gold Share | Gold | EPO | $1,333 | $2,500 | $5,900 | $21,897 | |
| Medica | Medica Insure Silver Share | Silver | EPO | $1,358 | $3,525 | $8,850 | $25,140 | |
| Medica | Medica Insure Gold Standard | Gold | EPO | $1,359 | $2,000 | $8,200 | $24,505 | |
| Medica | Medica Insure Silver Standard | Silver | EPO | $1,376 | $6,000 | $8,900 | $25,413 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $583 | $681 | $1,022 | 23 | $7,250 | $10,150 | $18,470 |
| Silver | $755 | $861 | $1,376 | 25 | $5,750 | $8,900 | $19,826 |
| Gold | $776 | $925 | $1,359 | 21 | $1,500 | $8,200 | $18,624 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.