Ranked 15 of 15 states · median $875/mo · CMS PY2026
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A 40-year-old electrician in Nebraska pays a median $875/month for a Silver plan before subsidies — the most expensive of the states covered here. The cheapest plan in the state is $640 from Blue Cross and Blue Shield of Nebraska in Burt. On highest out-of-pocket maximum, Nebraska ranks 8 of 15 for this occupation.
Trade work concentrates cost into rare, expensive events rather than spreading it across the year. That inverts the usual shopping logic: a lower premium with a $9,200 ceiling is a worse deal than a higher premium with a $6,000 one, because the ceiling is what you actually hit. These rankings follow the ceiling.
Occupational context: Arc flash and electrocution risk; falls; confined-space work.
This is background for choosing a plan, not for pricing one. Since 2014 every Nebraska exchange plan has been guaranteed issue and community rated: same age, same ZIP, same tobacco status means the same filed premium whether you are a electrician or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a electrician in one Nebraska county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Cherry | $826 | Ambetter Health | $6,000 | 5 |
| Grant | $826 | Ambetter Health | $6,000 | 5 |
| Logan | $826 | Ambetter Health | $6,000 | 5 |
| Sioux | $826 | Ambetter Health | $6,000 | 5 |
| Thurston | $640 | Blue Cross and Blue Shield of Nebraska | $6,000 | 5 |
| Johnson | $694 | Ambetter Health | $6,000 | 5 |
The spread across just these six is $186/month — $2,232 a year for the same metal tier. Statewide the range runs $640 to $1,460. Coverage by County publishes all 93 Nebraska counties individually.
| Nebraska — worst-case exposure | 2026 |
|---|---|
| Lowest annual out-of-pocket maximum | $5,500 |
| Highest annual out-of-pocket maximum | $10,600 |
| Cheapest Gold plan @40 | $685 — Blue Cross and Blue Shield of Nebraska |
| Gold deductible | $2,000 |
| Cheapest Silver @40 | $640 — Blue Cross and Blue Shield of Nebraska |
| Cheapest Silver @50 | $895 |
For a electrician, the gap between $5,500 and $10,600 in annual out-of-pocket maximum is worth more than any premium difference on this page. One serious injury reaches that ceiling regardless of which plan you picked.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 5,902 plan records across 93 Nebraska counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: Texas ($807), North Carolina ($828), Arkansas ($828).
Side-by-side: Nebraska vs North Carolina · Nebraska vs Arkansas
Read the comparison as context, not as a shopping list. Your county of residence determines what you can buy, and for a electrician that is fixed unless you relocate. Where it is actionable is a move already in progress — that is a qualifying life event, and you have 60 days on either side of it.
If you file a Schedule C as a electrician, the categories that usually show up are: Tools, van, licensing, liability insurance, materials. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The cheapest Silver plan for a 40-year-old in Nebraska is $640 per month from Blue Cross and Blue Shield of Nebraska, with a state median of $875. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
No. Nebraska exchange plans are guaranteed issue and community rated, so a electrician pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
Yes. Plan types filed for 2026: EPO, PPO.
Nebraska ranks 15 of 15 states covered here, at a median $875 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation sits above the cliff in 7 of the 21 states reported and below it in the other 14, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Electricians (SOC 47-2111) in Nebraska. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed electrician. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
This page compares states. For Nebraska specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Electricians in Nebraska and a blog covering deductibles, subsidies and special enrollment.
The Nebraska market currently runs to 5 carriers over 93 counties. Carriers re-file every year, and for Electricians the question that actually decides your renewal is which of them are still there in November.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Nebraska rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Nebraska included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
PPO availability is patchy here: 34 of 93 Nebraska counties. For Electricians the county you are rated in, not the state, decides whether out-of-area care is paid for.
Nothing about 2027 is urgent yet, which is exactly why it is worth ten minutes now. Come November you will be choosing between Nebraska’s carriers under a deadline; today you can do it without one.
Give me a ZIP and I will tell you three things:
The sticker price is rarely what Electricians in Nebraska end up paying. Start with a ZIP and I will work out your actual number.