- 5carriers selling 2026 marketplace plans in Lancaster County
- 84plans on the Lancaster shelf, from 28 bronze to 26 gold
- $682benchmark silver for a 40 year old in Lancaster, full price per month
Who sells marketplace plans in Lancaster County
Lancaster County and Douglas 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 Lancaster. The biggest lineup in Lancaster belongs to Medica with 21 plans, about 25 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 | 13 | 5 | 5 | 3 | EPO 13 |
Lancaster plan counts from the CMS 2026 landscape file (county FIPS 31109, Rating Area 2). 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 Lancaster County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Lancaster 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 Lancaster 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 | $405 | $517 | $1,099 | $1,035 | $1,654 |
| Lowest silver | $533 | $681 | $1,447 | $1,363 | $2,179 |
| Benchmark silver (second lowest) | $533 | $682 | $1,448 | $1,363 | $2,179 |
| Lowest gold | $542 | $693 | $1,472 | $1,386 | $2,215 |
Benchmark silver is the second lowest of the 30 silver premiums listed for Lancaster. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Lancaster County
Lancaster 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 $693, which is $11 above the benchmark silver and $12 above the cheapest silver. In Lancaster the extra gold premium pays for a lower deductible rather than coming free.
In Lancaster County the benchmark is $164 above the cheapest bronze at age 40, and 28 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 $682 benchmark minus what the government expects you to pay from your income. A 40 year old in Lancaster whose expected share is $164 a month or less would pay nothing for the cheapest bronze. At 60 the Lancaster gap grows to $349 and at 21 it shrinks to $129, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Douglas County, the Lancaster benchmark is $40 higher at 40 and the cheapest bronze is $23 higher. The same five carriers sell in Lancaster and Douglas, so if you move or work across the line your choice of company does not change, only the price.
Lancaster plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Bronze | 1 | 0 | $10,600 to $10,600 |
| Expanded Bronze | 27 | 5 | $0 to $7,750 |
| Silver | 30 | 2 | $0 to $6,500 |
| Gold | 26 | 4 | $0 to $2,500 |
| Total | 84 | 11 |
There is not a single PPO on the 2026 marketplace in Lancaster County. All 84 plans are EPO plans. Outside emergencies, the 84 EPO plans in Lancaster generally pay nothing out of network, so the network list matters more than the premium. 11 plans in Lancaster 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 Lancaster price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Lancaster the premium tax credit is measured against the $682 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Lancaster numbers for you.
2027 plans for Lancaster County
These are the 2026 plans and prices for Lancaster County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Lancaster 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 Lancaster County coverage
How many health insurance companies sell marketplace plans in Lancaster County, Nebraska?
For 2026, five carriers sell individual marketplace plans in Lancaster County: Medica, Blue Cross and Blue Shield of Nebraska, Ambetter Health, UnitedHealthcare and Oscar. Together they offer 84 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Lancaster County?
At full price before any subsidy, the cheapest bronze plan in Lancaster County is $405 a month for a 21 year old, $517 at 40 and $1,099 at 60. In Lancaster a couple both aged 40 pays $1,035 for the cheapest bronze, and two 40 year olds with two children pay $1,654. No catastrophic plan is sold in Lancaster for 2026. Most people in Lancaster who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Lancaster County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $682 a month for a 40 year old in Lancaster County before subsidies. In Lancaster it is $533 at age 21 and $1,448 at age 60, and the lowest silver plan is $681 at 40.
Is any insurance company leaving Lancaster County for 2027?
None of the five carriers selling in Lancaster 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 Lancaster are published around November 1, 2026, and I will update this page then.
Can I get a PPO plan in Lancaster County?
Not on the 2026 marketplace. All 84 plans in Lancaster County are EPO plans. 11 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Lancaster is $693 a month before subsidies.
More for Lancaster County residents
- Health insurance brokers in Nebraska, how to choose one and what it costs
- Every 2027 carrier change in Nebraska
- How Lancaster compares with the other 78 counties and parishes I track
- Estimate a Lancaster subsidy
Get your Lancaster County quote
Send me your ZIP and who needs coverage and I will compare every Lancaster 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), Lancaster County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines