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2021 Nebraska Health Insurance
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Nebraskans have been bucking the trend of decreasing health insurance enrollment lately, and that’s a great thing! But if you are one of those individuals who has yet to enroll, don’t worry. There is plenty of time to think it over and figure out what kind of insurance you want. However, you should not wait until open enrollment begins, because you could miss out on decent rates—or miss enrollment altogether.
Before you start shopping for those 2021 health insurance quotes, there are some things to learn about Nebraska Health Insurance. Let’s get started.
Types of Health Plans
HMO plans are of the most popular in Alabama, with around 309,466 residents enrolled in one. HMOs, PPOs, and other kinds of health plans can be purchased in Alabama. Here is a short summary of each type:
Lower monthly premiums than other plan types. Low cost-sharing. Few network restrictions. You need to select a primary care physician and will have to get referrals to see a specialist.
Has a network of preferred healthcare providers but will still pay for out-of-network services. Higher monthly premiums than HMOs. You do not need referrals. Common among employer-sponsored health insurance.
Similar to a PPO but does not allow out-of-network services. You have to stick to the providers of the network or the insurer will not pay.
An option that resembles an HMO but has fewer restrictions. You may even be able to get out-of-network care, as you would with a PPO. You will need a referral for everything.
Why You Should Have Nebraska Medical Insurance
If you are uninsured, you might be thinking, “Is health insurance really worth it?” After all, you may be young, hale, and hearty. If you have no need to go to the doctor or to get prescriptions, what is the point of medical coverage? Well, the fact of the matter is that life is unpredictable—and medical expenses are not. You know that healthcare is expensive, so why risk losing your financial stability to a sudden virus or accident or, worse, a disease that went undetected because you weren’t committed to preventive care?
See, when you have health insurance, you are guarded against those infamously high medical bills that could potentially bankrupt you. Although you have to pay a bit, you could qualify for subsidies that reduce the cost of your monthly premium, making healthcare even more affordable.
Plus, ever since the start of the Affordable Care Act, major medical plans have to include several essential health benefits, such as:
Though the extent of above mentioned benefits can change depending on the insurance carrier, you cannot be denied services that fall under the categories of essential health benefits. For instance, if you need a knee brace for physical therapy, that cannot be denied to you. Some policies may even include extras, like female birth control and breastfeeding services.
All policies will not cover non-essential services, though. Such things include cosmetic surgery and treatments and vaccinations for travel.
Curious about what you could get covered? Compare Nebraska health plans and learn more about what’s covered by medical insurance.
Short Term Health Insurance
Want a policy that doesn’t last for years so you can shop around? Short term health insurance may be ideal for you. Nebraska law regulates short term policies, keeping the terms to less than 12 months. Nebraska also requires any short term insurance carriers to follow state law. Any plans must be filed and approved by the department of insurance, must include state-mandated benefits, among other things.
What You Need To Know About Nebraska Health Insurance
Nebraska has an individual market and a federally facilitated marketplace in which residents can seek out Nebraska medical insurance.
There are five metal tiers of coverage in Nebraska—catastrophic, bronze, expanded bronze, silver, and gold. The latter is the most expensive but also provides the most coverage and smallest deductible. Your average premium depends on your age and location. A 21 year old pays much less for individual health insurance than someone who is 40 or 60 years old.
Currently, catastrophic and expanded bronze are the most affordable policies in Nebraska for those who need basic coverage. A 21 year old pays a monthly premium of $330 for catastrophic, $477 for bronze, $463 for expanded bronze, $608 for silver, and $617 for gold. Some who are between ages 40-59 will pay around $421 a month for catastrophic, $609 for bronze, $591 for expanded bronze, $777 for silver, and $789 for gold. The cost of health insurance for a 60 year old is almost what it is for a 40 year old.
For family health insurance in Nebraska, prices are based on the age of the child, as well as the size of the family. If you have a spouse, you pay twice the individual policy premium. So, a 40 year old couple spends around $1,550 a month, while a family of three pays over $2,000. A family with two adults and three children pays close to $3,000 a month.
Premium rates in Nebraska have dropped slightly since 2018. For example, in 2018, the cost of catastrophic policies for a 40 year old was around $448 a month; 2020 premiums dropped nearly 6 percent, lowering the monthly rate to $421. Bronze and silver policies only changed around 2 percent between 2018-2020. Expanded bronze dropped 8 percent, bringing the 2018 premium of $643/month down to $591 for a 40 year old. Gold saw the biggest decrease of 8.5 percent, bringing the price from $862 down to $789 a month.
Unemployed, Part-Time, and Self-Employed
Many Americans are presently unemployed or temporarily out of work because of the global pandemic. Even as things begin to reopen, the economic burden may result in more weeks and months of work. So, what do you do in the meantime for health insurance? In the event that you are currently without employer-based medical insurance, you could opt for COBRA. COBRA is a bit more expensive than what you may be able to afford, so if you want a budget-friendly option, try a short term plan.
At any time you are making below the determined Federal Poverty Line (FPL), you can apply for subsidies. Furthermore, if you recently lost your health insurance because of the global pandemic, you may qualify for a special enrollment period (SEP). Health insurance for unemployed Nebraskans is available if you know where to look!
Similarly, self employed workers can look into receiving subsidies and other assistance, such as tax breaks. Health insurance for self employed Nebraskans generally falls into the individual health plan category, but you are not limited to a more expensive plan if you do not need it. The same rule applies to part-time workers who cannot be sponsored by their employer.
Compare Nebraska health plans today to see which policies are the best for you. The sooner you receive quotes, the faster you can get covered.
Differences Between 2020 Open Enrollment and 2021
2021 Nebraska open enrollment will run from the 1st of November to the 15th of December, 2020. You may be able to register for ACA-compliant health insurance prior to November 2020 if you have experienced a qualifying life event. For example, if you are currently unemployed and lost employer-sponsored health insurance, you may be eligible for a special enrollment period (SEP).
For 2020, the insurance carrier Medica will no longer be the sole insurer available on the Nebraska Marketplace Bright Health has joined the exchange for 2020 and beyond.
Keep Yourself and Your Family Protected
Health insurance is something that everyone should have, regardless of their age, health, or location. Nebraskans have access to a large healthcare system, so take advantage of that! Commit to preventive care for you and your family and never worry about the day when those medical bills get out of hand. Because, with Nebraska medical insurance, all the bases are covered.
You can find a large selection of Nebraska medical plans online today. Search for Nebraska individual health plans, compare coverage, and apply all in one place with AffordableHealthPlansUSA.com. All you need is your zip code.