Medica Insure Silver $0 Copay PCP Visits
Silver · EPO · Medica · Nebraska
At age 40 it costs between $1,158.37 and $1,403.96 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $3,500 | $10,450 | No Charge | $25 |
| up to 150% of the federal poverty level | $0 | $2,050 | No Charge | $10 |
| 150% to 200% | $850 | $3,350 | No Charge | $10 |
| 200% to 250% | $2,400 | $8,450 | No Charge | $25 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 20305NE0040047 |
|---|---|
| Insurer | Medica |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $3,500 |
| Deductible (family) | $7,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,450 |
| Family maximum | $20,900 |
| Primary care visit | No Charge |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $125 |
| Specialty drugs | 60% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-592-8211 · TTY 1-800-833-7352 |
Where it is sold, and what it costs there
59 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Thurston County | $906.39 | $1,028.75 | $1,158.37 | $1,618.81 | $2,459.94 |
| Gage County | $1,001.41 | $1,136.60 | $1,279.81 | $1,788.52 | $2,717.83 |
| Jefferson County | $1,001.41 | $1,136.60 | $1,279.81 | $1,788.52 | $2,717.83 |
| Richardson County | $1,001.41 | $1,136.60 | $1,279.81 | $1,788.52 | $2,717.83 |
| Antelope County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Blaine County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Boone County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Boyd County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Cedar County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Dakota County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Dixon County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Franklin County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Furnas County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Garfield County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Gosper County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Harlan County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Holt County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Keya Paha County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Knox County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Loup County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Madison County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Merrick County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Phelps County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Pierce County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Platte County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Polk County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Rock County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Stanton County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Wayne County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Webster County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Wheeler County | $1,035.31 | $1,175.08 | $1,323.12 | $1,849.06 | $2,809.83 |
| Arthur County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Banner County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Box Butte County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Brown County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Chase County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Cherry County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Cheyenne County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Dawes County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Deuel County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Dundy County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Frontier County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Garden County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Grant County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Hayes County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Hitchcock County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Hooker County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Keith County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Kimball County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Lincoln County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Logan County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| McPherson County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Morrill County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Perkins County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Red Willow County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Scotts Bluff County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Sheridan County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Sioux County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
| Thomas County | $1,098.56 | $1,246.87 | $1,403.96 | $1,962.03 | $2,981.49 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.