Health insurance plans in Douglas County, Nebraska (2027)

• 5carriers selling 2027 marketplace plans in Douglas County
• 66plans on the Douglas shelf, from 20 bronze to 21 gold
• $714benchmark 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, 33 have more carriers than Douglas. The biggest lineup in Douglas belongs to Blue Cross and Blue Shield of Nebraska with 20 plans, about 30 percent of everything on offer.

Douglas plan counts from the CMS 2027 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.

Benchmark silver is the second lowest of the 25 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 $747, which is $33 above the benchmark silver and $47 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 $130 above the cheapest bronze at age 40, and eight 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 $714 benchmark minus what the government expects you to pay from your income. A 40 year old in Douglas whose expected share is $130 a month or less would pay nothing for the cheapest bronze. At 60 the Douglas gap grows to $276 and at 21 it shrinks to $102, which is why older enrollees are the ones most likely to find a $0 plan.

Prices barely differ between Douglas and nearby Lancaster County. The benchmark differs by $1 a month at 40 and the cheapest bronze by $13. 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

There is not a single PPO on the 2027 marketplace in Douglas County. All 66 plans are EPO plans. Outside emergencies, the 66 EPO plans in Douglas generally pay nothing out of network, so the network list matters more than the premium. 10 plans in Douglas have a $0 medical deductible (4 gold, 4 expanded bronze and 2 silver). The 4 bronze ones among them still have out of pocket maximums of $11,800 to $12,000, so a $0 deductible does not mean a small bill.

2027 plans for Douglas County

These are the 2027 plans and prices for Douglas County, from the CMS plan file released at the end of October 2026. 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. If you already have a Douglas plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Douglas County coverage

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