- 5carriers selling 2026 marketplace plans in Douglas County
- 81plans on the Douglas shelf, from 27 bronze to 25 gold
- $642benchmark silver for a 40 year old in Douglas, full price per month
Who sells marketplace plans in Douglas County
Douglas County and Lancaster County, the two Nebraska counties I track, have the same number of carriers, five each. Across all 79 counties and parishes I track in 24 states, 30 have more carriers than Douglas. The biggest lineup in Douglas belongs to Medica with 21 plans, about 26 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Medica | 21 | 7 | 7 | 7 | EPO 21 |
| Blue Cross and Blue Shield of Nebraska | 20 | 6 | 8 | 6 | EPO 20 |
| Ambetter Health | 16 | 6 | 4 | 6 | EPO 16 |
| UnitedHealthcare | 14 | 4 | 6 | 4 | EPO 14 |
| OscarOscar Insurance Company | 10 | 4 | 4 | 2 | EPO 10 |
Douglas plan counts from the CMS 2026 landscape file (county FIPS 31055, Rating Area 1). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What it costs in Douglas County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Douglas plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Douglas pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $386 | $494 | $1,049 | $988 | $1,579 |
| Lowest silver | $501 | $640 | $1,359 | $1,280 | $2,047 |
| Benchmark silver (second lowest) | $502 | $642 | $1,363 | $1,284 | $2,052 |
| Lowest gold | $536 | $685 | $1,454 | $1,370 | $2,190 |
Benchmark silver is the second lowest of the 29 silver premiums listed for Douglas. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Douglas County
Douglas County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $685, which is $43 above the benchmark silver and $45 above the cheapest silver. In Douglas the extra gold premium pays for a lower deductible rather than coming free.
In Douglas County the benchmark is $148 above the cheapest bronze at age 40, and 21 of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $642 benchmark minus what the government expects you to pay from your income. A 40 year old in Douglas whose expected share is $148 a month or less would pay nothing for the cheapest bronze. At 60 the Douglas gap grows to $314 and at 21 it shrinks to $116, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Lancaster County, the Douglas benchmark is $40 lower at 40 and the cheapest bronze is $23 lower. The same five carriers sell in Douglas and Lancaster, so if you move or work across the line your choice of company does not change, only the price.
Douglas plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Bronze | 1 | 0 | $10,600 to $10,600 |
| Expanded Bronze | 26 | 5 | $0 to $7,750 |
| Silver | 29 | 2 | $0 to $6,500 |
| Gold | 25 | 4 | $0 to $2,500 |
| Total | 81 | 11 |
There is not a single PPO on the 2026 marketplace in Douglas County. All 81 plans are EPO plans. Outside emergencies, the 81 EPO plans in Douglas generally pay nothing out of network, so the network list matters more than the premium. 11 plans in Douglas have a $0 medical deductible (5 expanded bronze, 4 gold and 2 silver). The 5 bronze ones among them still have out of pocket maximums of $10,500 to $10,600, so a $0 deductible does not mean a small bill.
Every Douglas price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Douglas the premium tax credit is measured against the $642 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Douglas numbers for you.
2027 plans for Douglas County
These are the 2026 plans and prices for Douglas County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Douglas numbers then. Open enrollment for 2027 coverage in Nebraska runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.
Questions about Douglas County coverage
How many health insurance companies sell marketplace plans in Douglas County, Nebraska?
For 2026, five carriers sell individual marketplace plans in Douglas County: Medica, Blue Cross and Blue Shield of Nebraska, Ambetter Health, UnitedHealthcare and Oscar. Together they offer 81 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Douglas County?
At full price before any subsidy, the cheapest bronze plan in Douglas County is $386 a month for a 21 year old, $494 at 40 and $1,049 at 60. In Douglas a couple both aged 40 pays $988 for the cheapest bronze, and two 40 year olds with two children pay $1,579. No catastrophic plan is sold in Douglas for 2026. Most people in Douglas who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Douglas County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $642 a month for a 40 year old in Douglas County before subsidies. In Douglas it is $502 at age 21 and $1,363 at age 60, and the lowest silver plan is $640 at 40.
Is any insurance company leaving Douglas County for 2027?
None of the five carriers selling in Douglas County in 2026 has announced it is leaving Nebraska for 2027, as far as I have been able to confirm. Smaller changes can still happen, so read your renewal notice. The 2027 carrier lineup and prices for Douglas are published around November 1, 2026, and I will update this page then.
Can I get a PPO plan in Douglas County?
Not on the 2026 marketplace. All 81 plans in Douglas County are EPO plans. 11 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Douglas is $685 a month before subsidies.
More for Douglas County residents
- Health insurance brokers in Nebraska, how to choose one and what it costs
- Every 2027 carrier change in Nebraska
- How Douglas compares with the other 78 counties and parishes I track
- Estimate a Douglas subsidy
Get your Douglas County quote
Send me your ZIP and who needs coverage and I will compare every Douglas plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2026 (public use file), Douglas County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines