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How to Find an Affordable Nebraska Health Insurance Quote

For individuals and families, children and adults, the healthy and the sick, finding an affordable Nebraska health insurance quote is among the most important financial protections and personal assets you can buy. This isn’t exactly a ground-breaking revelation for the vast majority of Nebraskans, but many people could use a quick tutorial about the process and relative ease/difficulty of finding an affordable health plan that works for them and their family. With this in mind, here’s what you need to know about the current state of health insurance in Nebraska.


Nebraska Health Insurance and the Economy

Like any other state, health insurance in Nebraska is hugely influenced by the economy and, in particular, the jobs market. With one of the lowest unemployment rates in the entire country, it’s not surprising that the state provided a relatively high 57.4% of its population with employer-based health coverage in 2008 (the last year for which information was available), according to the Kaiser Family Foundation. Moreover, this relative economic prosperity also allows for more residents to seek health coverage on the individual market and fewer residents to resort to Medicaid, compared to national statistics. If you do need to seek health insurance on the individual market, it’s true that, in general, you’ll end up paying more for health insurance, but it’s often still more affordable than most people have been led to believe.

In spite of the state’s unemployment statistics, if you’ve been hit with a lay-off or otherwise lost your job, the state’s Insurance Division provides this resource to help you find alternate health coverage.

The Nebraska Health Insurance Industry: Cornhusker Friend or Foe?

Depending on who you ask, Nebraska health insurance is either a leech upon the social well-being of the state or a responsible business sector that is only playing by the marketplace rules it has been given. Consider: Of the 1,711 investigations originating from consumer complaints in 2008, 598 of these investigations were related to Accident and Health Insurance –more than any other form of insurance. Yet, in 2009, the Nebraska Insurance Fraud Division opened 430 actual insurance fraud referrals, and of these cases 78 percent were related to Property/Casualty Insurance and only 9 percent were related to Life/Health Insurance.

With these stats in mind, it’s important to keep perspective when shopping for health insurance in Nebraska. It goes without saying that you need to do your homework while considering health insurers and individual policies. But, if you stay vigilant during your health insurance search, there is absolutely no reason to think you won’t have health coverage when you need it. You can probably even find a Nebraska health quote for less than you fear.

Finding a Nebraska Health Insurance Quote

Of course, “all due vigilance” is a slippery notion that involves more than just willpower. Finding a reliable Nebraska health insurance quote is a process that benefits from an “all-hands-on-deck” mentality, and netQuote represents an enormously beneficial component of this search. Not only do we offer a helpful research guide through insurance articles like this one, but we streamline the process by allowing you to generate numerous quotes from various health insurance companies with a single online request. This, in turn, allows you to conduct easy and reliable comparison shopping from the comfort of your own home. Meanwhile, connecting with insurance companies through an online referral service, like NetQuote, reduces overhead and marketing costs for insurance companies, which leads to lower insurance rates for consumers.

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