State profile · NE · CMS + NAIC
Insurance in Nebraska
How health insurers handle claims in Nebraska, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 16.9%
- Avg claims denied
- #19
- denial rank of 31
- $980
- Avg auto / yr
- +21%
- Auto, 5-yr
- 4
- Insurers w/ data
The verdict
Marketplace insurers in Nebraska deny 16.9% of claims — below the 21% national average, the 19th-highest of 31 states, and drivers pay an average $980 a year for auto cover, less than the $1191 national average.
- 16.9%
- avg claims denied
- #19
- of 31 states
- $980
- avg auto / yr
- 21%
- highest (Oscar Insurance Co)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Nebraska
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- Oscar
Oscar Insurance Company: 21.4% denied (5,358 of 24,997)
21.4 % of claims denied
- Blue Cross and Blue Shie
Blue Cross and Blue Shield of Nebraska: 20.3% denied (110,225 of 543,271)
20.3 % of claims denied
- Medica
Medica Insurance Company: 19.6% denied (296,611 of 1,512,224)
19.6 % of claims denied
- Nebraska Total Care
Nebraska Total Care, Inc.: 13.0% denied (205,202 of 1,574,742)
13 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Nebraska. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Nebraska, by denial rate
4 insurers reporting marketplace claims in Nebraska
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | Oscar Insurance Company D | 24,997 | |
| 2 | Blue Cross and Blue Shield of Nebraska C | 543,271 | |
| 3 | Medica Insurance Company D | 1,512,224 | |
| 4 | Nebraska Total Care, Inc. A | 1,574,742 |
Auto insurance in Nebraska
Auto premiums in Nebraska are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $807 average expenditure
$807 avg expenditure
- 2020
2020: $795 average expenditure
$795 avg expenditure
- 2021
2021: $817 average expenditure
$817 avg expenditure
- 2022
2022: $872 average expenditure
$872 avg expenditure
- 2023
2023: $980 average expenditure
$980 avg expenditure
What this shows Nebraska drivers' average auto cost rose 21% between 2019 and 2023.
What the data shows for Nebraska
Nebraska's marketplace insurers denied 16.9% of submitted claims in the CMS data, the 19th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Nebraska pay an average $980 a year — less than the $1191 national average — split across $484 liability, $356 collision and $344 comprehensive premiums. That figure has moved up 21% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Nebraska can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Nebraska residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Nebraska's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.