Head-to-head, from CMS Plan Year 2026 data.
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
Indiana is the cheaper of the two: a 40-year-old pays about $558/month for the median Silver plan, versus $875 — a difference of $317/month (57%) before subsidies.
| Indiana | Nebraska | |
|---|---|---|
| Median Silver @40 | $558 | $875 |
| Cheapest Silver @40 | $440 | $640 |
| Most expensive county @40 | $699 | $1,460 |
| Age 27 | $361 | $525 |
| Age 60 | $934 | $1,359 |
| Carriers | 5 | 5 |
| Counties | 92 | 93 |
| 1-carrier counties | 0 | 0 |
| Plan types | EPO, HMO, POS | EPO, PPO |
Network note: Indiana has no PPO plans in 2026 while Nebraska does. If you work across county or state lines that difference matters more than the premium gap.
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: Indiana 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.
An Indiana-to-Nebraska move triggers a 60-day special enrollment period, so the 5 carriers filing in Nebraska are open to you outside the usual window. The catch is on both ends — you normally need to have carried qualifying coverage for a day or more in the 60 days before moving, and moves made for treatment or travel are excluded.
Nothing transfers. You close the Indiana plan and enroll fresh against Nebraska’s 93 counties, which means a new network and a new price regardless of which insurer you land on.
Some continuity is possible: Ambetter Health and UnitedHealthcare file in both, out of 5 in Indiana and 5 in Nebraska. Same company is easier paperwork, but it is a different plan on a different network at a different price.
This is the asymmetry that bites. Nebraska has PPO plans across 34 of 93 counties; Indiana sells none in any of its 92. The PPO is the plan type most likely to pay outside its own network, so heading toward Indiana usually costs you the ability to see Nebraska providers for anything short of an emergency.
You cannot carry one plan in Indiana and a second in Nebraska. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
State averages hide enormous county-level spread. Whichever of Indiana or Nebraska you are in, your ZIP is what sets your premium.