Ranked 15 of 15 states · median $875/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old nutritionist 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 median Silver premium, Nebraska ranks 15 of 15 for this occupation.
Patient-facing and on-your-feet work produces steady, predictable claims — routine visits, refills, physical therapy, the occasional urgent care. That profile is decided by copay design and by whether your providers are in network, not by the sticker premium, so carrier count sits alongside cost below.
Occupational context: Sedentary counseling strain.
Two things get confused here constantly. Risk exposure decides what coverage you should buy. It does not decide what you are charged — Nebraska carriers rate on age, ZIP, tobacco and family size, full stop. A nutritionist with a bad back and a healthy 40-year-old office worker in the same county see the same number.
Premium is set by rating area, so a nutritionist 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 |
|---|---|---|---|---|
| Boyd | $778 | Ambetter Health | $6,000 | 5 |
| Dakota | $778 | Ambetter Health | $6,000 | 5 |
| Greeley | $778 | Ambetter Health | $6,000 | 5 |
| Loup | $778 | Ambetter Health | $6,000 | 5 |
| Polk | $778 | Ambetter Health | $6,000 | 5 |
| Wheeler | $778 | Ambetter Health | $6,000 | 5 |
The spread across just these six is $0/month — $0 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 — network and cost | 2026 |
|---|---|
| Median Silver premium @40 | $875 |
| Cheapest Silver @40 | $640 — Blue Cross and Blue Shield of Nebraska (Burt) |
| Most expensive Silver @40 | $1,460 |
| Carriers filing in the state | 5 — Ambetter Health, Blue Cross and Blue Shield of Nebraska, Medica, Oscar |
| Plan types available | EPO, PPO |
| Counties with only one carrier | 0 of 93 |
Nebraska has 5 carriers filing and 0 of 93 counties served by a single issuer. For a nutritionist with an established provider relationship, that carrier count is the number that decides whether you keep your doctor.
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
Cross-state numbers are useful for understanding whether Nebraska is treating you well, not for arbitrage. You cannot buy an out-of-state exchange plan. If you are a nutritionist weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
Deduction categories that generally fit this trade: Certification, practice software, CE credits. Note the ordering problem with health premiums: the §162(l) deduction lowers your AGI, and your AGI is what sets your premium tax credit, so the two calculate against each other. That is a CPA conversation and worth having before you enroll, not after.
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.
It cannot happen on an exchange plan. Rating in Nebraska uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
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.
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 Nutritionists in Nebraska and a blog covering deductibles, subsidies and special enrollment.