Head-to-head, from CMS Plan Year 2026 data.
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Florida is the cheaper of the two: a 40-year-old pays about $789/month for the median Silver plan, versus $875 — a difference of $87/month (11%) before subsidies.
| Florida | Nebraska | |
|---|---|---|
| Median Silver @40 | $789 | $875 |
| Cheapest Silver @40 | $554 | $640 |
| Most expensive county @40 | $2,203 | $1,460 |
| Age 27 | $454 | $525 |
| Age 60 | $1,177 | $1,359 |
| Carriers | 15 | 5 |
| Counties | 67 | 93 |
| 1-carrier counties | 1 | 0 |
| Plan types | EPO, HMO, POS, PPO | EPO, PPO |
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Florida or Nebraska. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
You do not have to wait for the next open enrollment. A permanent move between these two opens a 60-day special enrollment period from the day you arrive, which is the window in which you would pick from the 5 carriers writing across Nebraska’s 93 counties. Watch the fine print: qualifying coverage for at least one day in the preceding 60 is generally required, and a move for medical care or a vacation does not count.
Your plan will not come with you. Marketplace coverage is sold state by state, so the Florida policy ends and a Nebraska application begins — new network, new premium, even if the name on the card stays the same.
Ambetter Health and UnitedHealthcare write on both sides of the line — Florida fields 15 carriers in total, Nebraska fields 5. Keeping the same insurer smooths the admin and changes little else, since the network is rebuilt per state.
PPO coverage is patchy: 67 of 67 Florida counties and 34 of 93 in Nebraska. Because the PPO is the type most likely to pay out of network, whether one is sold in your particular county matters more here than either state average.
Splitting the year does not mean splitting the coverage. You can hold a marketplace plan only in your state of primary residence — the address you file from — not one in Florida and another in Nebraska. The cost lands on care received in whichever of the two you did not choose.
State averages hide enormous county-level spread. Whichever of Florida or Nebraska you are in, your ZIP is what sets your premium.