Ranked 15 of 15 states · median $875/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old real estate agent 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 counties covered, Nebraska ranks 4 of 15 for this occupation.
Coverage that only works where you sleep is not coverage if you spend the week elsewhere. The binding question is whether the plan pays out of area at all, and beyond emergencies many HMOs simply do not. States below are ordered by network reach, with the no-PPO states flagged.
Occupational context: High driving exposure; irregular hours; showing-related risk.
Worth being clear about what this does and does not affect: a carrier in Nebraska cannot ask what you do for a living, cannot charge a real estate agent more than a librarian of the same age in the same ZIP, and cannot exclude anything you were already treated for. Occupation only tells you which plan structure to shop for.
Premium is set by rating area, so a real estate agent 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 |
|---|---|---|---|---|
| Hooker | $826 | Ambetter Health | $6,000 | 5 |
| Perkins | $826 | Ambetter Health | $6,000 | 5 |
| Dodge | $640 | Blue Cross and Blue Shield of Nebraska | $6,000 | 5 |
| Cass | $694 | Ambetter Health | $6,000 | 5 |
| Pawnee | $694 | Ambetter Health | $6,000 | 5 |
| Buffalo | $755 | Blue Cross and Blue Shield of Nebraska | $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 — network reach | 2026 |
|---|---|
| Counties in the state | 93 |
| Counties with only one carrier | 0 (0%) |
| Plan types available | EPO, PPO |
| PPO available on exchange | Yes |
| Carriers filing in the state | 5 |
| Cheapest Silver @40 | $640 — Burt |
Nebraska has PPO plans available. For a real estate agent covering distance, that single fact outweighs premium: 0 of 93 counties here are served by one carrier, so an HMO bought in one metro may leave you out of network for the rest of your route.
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
A caveat on the table above: rating is by residence, not by job site. A real estate agent living in Nebraska and working across a state line still buys Nebraska plans. A genuine permanent move does trigger a special enrollment period, but the plan year restarts with a fresh deductible.
Expense categories that typically apply to this trade: Vehicle, licensing, MLS dues, E&O insurance, marketing. Premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or your spouse — a question for your CPA, not your agent.
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 real estate agent 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.
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 Real Estate Agents in Nebraska and a blog covering deductibles, subsidies and special enrollment.