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About Obamacare in Nebraska

In Nebraska, the Affordable Care Act, which is also known as Obamacare, is a program run by the federal government, whose main directive is to provide and make available healthcare to U.S. citizens in all states. Through the Obamacare program, those living in Nebraska can get affordable health insurance coverage, even low-income individuals and families. As of Feb 22, 2016, approximately 74,152 consumers in Nebraska had been automatically re-enrolled or selected for marketplace health insurance coverage plans, greatly facilitated by the Obamacare program. Out of these Nebraskan enrollees, 59 percent of them acquired after-tax coverage of $100 or less, and 90 percent had the chance to qualify for the same. About 87 percent of the consumers were qualified for marketplace tax credits on average of $250 per month. The national statistics for people automatically re-enrolled or selected for marketplace health coverage programs stood at 11.7 million in 2015. The Obamacare program in Nebraska will be looked at in detail under the following sections of this article.

•    Did Nebraska accept the Obamacare Medicaid expansion?
•    Does the state or federal government run the health insurance exchange in Nebraska?
•    Eligibility for Obamacare in Nebraska
•    How to apply for Obamacare in Nebraska
•    Health plan cost and availability in Nebraska

Did Nebraska Accept the Obamacare Medicaid Expansion?

Nebraska applicants may ask the question “What is the Obamacare Medicaid expansion?” Affordable Care Act Medicaid expansion is a plan that was initiated to increase health insurance coverage nationwide. The Nebraska ACA Medicaid expansion health coverage initiative provides free or low cost health insurance for qualified U.S. citizens. To meet Obamacare Medicaid eligibility, an applicant must be from a family whose income is 133 percent below the federal poverty level limits. Even though there are implicated ACA Medicaid expansion costs to states, the program has facilitated achievement of many milestones in providing health insurance coverage for low-income families. So what is the expansion of Medicaid going to do for NE? As of 2015, Nebraska has not adopted the Obamacare Medicaid expansion plan, and as a result, there were fewer enrollees for Medicaid and Children’s Health Insurance Program (CHIP) plans in the marketplace. If Obamacare Medicaid application expansion had been allowed in Nebraska by the year 2015, 48,000 uninsured people would have been able to access health insurance coverage. Currently, Nebraska residents are not eligible to apply for the expansion components, but for those who would like Obamacare Medicaid expansion details, the specifics are available online.  

Does the State or Federal Government Run the Health Insurance Exchange in Nebraska?

 Obamacare applicants and beneficiaries may be asking the question “What is the health insurance exchange and how is it operated?” Nebraska’s Obamacare health insurance exchange is an online marketplace where Obamacare applicants and enrollees can examine and access health insurance coverage plans that are affordable to them. Another question that arises is “What is the marketplace for health insurance and how is it regulated?” The Obamacare healthcare marketplace is a digitally operated platform where various insurance carriers list health insurance coverage plans so that applicants can choose plans that meet their income standards. The common carriers in the Nebraska marketplace exchange are Aetna, Blue Cross Blue Shield and Medica. The Nebraska marketplace is run by the federal government, which also sets health insurance exchange insurance regulations that carriers’ plans have to meet. However, the state is also mandated to oversee whether the plans offered in the marketplace meet the federal regulations. 

Eligibility for Obamacare in Nebraska

Who is eligible for Obamacare? Answering this question may clarify to potential applicants how to qualify for Obamacare. What are the requirements to apply for Obamacare within Nebraska? Obamacare coverage eligibility requirements are as follows:

• Applicant must be a citizen of the United States.
• Applicant must be a resident of the county where the application is made.
• Applicant must not be incarcerated

NE Obamacare income requirements specify that applicants report that their income, or the incomes of their household members are below 133 percent of the federal poverty level. However, this does not mean that Obamacare Medicaid eligibility is not met. Obamacare is available to people of every age as long as they meet the basic requirements. Non-elderly NE residents who do not have dependent children and have never been enrollees of Medicaid can also be eligible for Obamacare. 

How to Apply for Obamacare in Nebraska

At the personal level, applicants may be wondering “What do I need to apply for Obamacare in Nebraska?” It is also important to know how to enroll in Obamacare, and the methods that one can use to complete an application. To learn more about how to get Obamacare in Nebraska, applicants can go online, or call the marketplace hotline. Applicants can submit applications by phone, mail, and online applications. Anyone who is not sure how to apply for Obamacare insurance can get assistance by contacting marketplace customer care representatives who will guide new applicants on how to fill out the forms. If you are asking yourself “Can I apply online for Obamacare?” then the answer to you is absolutely yes. Instead of looking for where to apply for Obamacare physically, you can use the marketplace to choose health insurance coverage plans and make instant applications online. Basically, what is needed to sign up for Obamacare is information on projected income, social security numbers of family members, tax returns, family members’ employer information, medical history, current insurance policy number information and any government aid already received.

Health Plan Cost and Availability in Nebraska

A very good question to ask is, “How much will Obamacare insurance cost me if I live in Nebraska?” The Obamacare health insurance price estimates depend on the level of coverage chosen, the subsidy amount the applicant qualifies for, the applicant’s county of residence, age, and whether the applicant smokes. Obamacare health insurance plans costs are based on whether the applicant has chosen bronze, silver, gold, or platinum coverage levels. Beneficiaries of bronze plans pay lowest premiums but they incur more out-of-pocket costs when paying for health care services. The Nebraska health insurance coverage marketplace directly answers the question, “How much does Obamacare cost for NE residents?”