Home › Agent Hub › Agent Tools › Marketplace plans by county › Nebraska › Howard County
Agent Tools
Marketplace health plans in Howard County, NE — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Howard County, Nebraska has 61 Marketplace health plans from 5 insurers: 21 bronze, 21 silver, 19 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $785.42 per month; the lowest bronze premium is $596.74.
What changed vs 2025
- Benchmark silver premium up $170.46 a month (+27.7%) from 2025
- 1 fewer plan than 2025
- Insurers entered: Ambetter Health
- Insurers exited: Ambetter from Nebraska Total Care
- Lowest bronze premium up $119.77 a month
Market snapshot
- Residents under 65
- 5,053
- Insurers
- 5
- Plans by metal level
- 21 bronze, 21 silver, 19 gold
- Benchmark silver premium, age 40, before subsidies
- $785.42/mo
- Lowest bronze premium, age 40, before subsidies
- $596.74/mo
- Lowest gold premium, age 40, before subsidies
- $776.38/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,500
Insurers in the county
- Ambetter Health — 16 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 14 plans (Bronze, Silver, Gold)
- Medica — 12 plans (Bronze, Silver, Gold)
- Oscar Insurance Company — 10 plans (Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Nebraska — 9 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Bronze | Standard Expanded Bronze (13484NE0090008) | Ambetter Health | EPO | $596.74 | $7,500 | $10,000 | 21 |
|---|
| Silver | Standard Silver (13484NE0090009) | Ambetter Health | EPO | $777.64 | $6,000 | $8,900 | 21 |
|---|
| Gold | Clear Gold (13484NE0090002) | Ambetter Health | EPO | $776.38 | $1,200 | $9,150 | 19 |
|---|
One plan per metal level shown, of 61 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter Health) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $614.58 | $644.07 | $697.54 | $785.42 | $1,097.63 | $1,667.95 |
Nearby counties
Agent Tools
Free tools for licensed agents working Howard County.
Get free agent tools
Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.