Nebraska Health Insurance Marketplace
Phone Help 24/7 (interpreters available):
Who Can Shop the Marketplace?
Not Eligible: If you are covered by government insurance, such as Medicare, Medicaid, CHIP, Tricare, or the Veteran's Health Program--with a few exceptions.
Eligible: Individuals and families not presently covered by any insurance or who are in state high risk pools. Individuals and families presently paying to insure themselves. Those eligible for or covered by employer health insurance may also be able to shop the marketplace, but they should carefully compare marketplace insurance policies to their employer's insurance. Also, they may not be eligible for tax subsidies on the exchange. See more at HealthCare.gov.
Important: First Premium
Please note that a marketplace health insurance policy will not go into effect until the first premium has been paid.
Figure out how much you are willing to pay for health insurance premiums.
Realize that many people using the Marketplace will qualify to save money. To find out how much savings you’re eligible for when you apply, it will help to have these things close by:
- Social Security numbers (or document numbers for legal immigrants)
- Birth dates
- Pay stubs, W-2 forms, or "Wage and Tax Statements"
- Policy numbers for any current health insurance
- Information about any health insurance you or your family could get from your jobs
--Adapted from Get Ready to Enroll in the Marketplace
Open enrollment began. Applications need not be processed through the website if you experience technical problems. You may complete a written application or enroll over the phone. You may want to view the premium and subsidy information at Healthcare.gov and then get more information from the insurance companies (deductibles, networks). Many other questions can be answered by browsing the site Healthcare.gov, and there is also live chat as well as a 24 hour help line available (1-800-318-2596). The library also hosts programs offering information and assistance. See the programs tab.
To receive coverage by January 1, you must enroll by December 24 (the date has been extended from December 15).
The last day of open enrollment. After that you have to wait until October 15 - December 7, 2014 with a few exceptions.
Tax Rebates & Tax Penalties
Available to individuals and households with an income between 100% and 400% of the poverty level (in 2013 this was $23,550 –$94,200 for a family of four). They may be used to directly subsidize premiums or taken as a tax rebate when filing tax forms at the end of the year. To get a rough estimate of how much subsidy you might qualify for, see this calculator.
This occurs when a person or family chooses not to enroll in an health insurance plan. The penalty will increase with time. This fee does not apply to people in states which did not expand Medicaid and who would have qualified for Medicaid under a Medicaid expansion. There are also other exemptions.
Keeping track of your income in order to determine whether your subsidies will go up or down, and to prevent yourself from owing a tax bill (a return of subsidies) at the end of the year may require that you keep good records. Some people may choose a tax credit at tax filing time rather than to have their premiums lowered for the sake of simplicity. Others will choose subsidized premiums to make their budgets more manageable. For more information on how tax rebates or subsidies work see Deciphering The Health Law’s Subsidies For Premiums.