Head-to-head, from CMS Plan Year 2026 data.
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Texas is the cheaper of the two: a 40-year-old pays about $807/month for the median Silver plan, versus $875 — a difference of $68/month (8%) before subsidies.
| Texas | Nebraska | |
|---|---|---|
| Median Silver @40 | $807 | $875 |
| Cheapest Silver @40 | $540 | $640 |
| Most expensive county @40 | $1,409 | $1,460 |
| Age 27 | $443 | $525 |
| Age 60 | $1,146 | $1,359 |
| Carriers | 15 | 5 |
| Counties | 254 | 93 |
| 1-carrier counties | 7 | 0 |
| Plan types | EPO, HMO, POS | EPO, PPO |
Network note: Texas 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: Texas 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.
Coverage does not port across the state line. Ending in Texas and starting in Nebraska is two separate transactions, and the plan you end up with in Nebraska is priced on its own county, not on what you paid before.
Oscar Insurance Company and UnitedHealthcare write on both sides of the line — Texas 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.
This is the asymmetry that bites. Nebraska has PPO plans across 34 of 93 counties; Texas sells none in any of its 254. The PPO is the plan type most likely to pay outside its own network, so heading toward Texas usually costs you the ability to see Nebraska providers for anything short of an emergency.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Texas the Nebraska care is the out-of-network half, and the reverse if you file from Nebraska.
State averages hide enormous county-level spread. Whichever of Texas or Nebraska you are in, your ZIP is what sets your premium.