Did Your Health Coverage Change in January? Here’s Why You Should Reevaluate Your Coverage in 2026

As we kick off 2026, many Nebraskans are already feeling the ripple effects of changes in health coverage options and rising costs that took effect this January. Whether your plan renewed automatically or you experienced changes to your deductibles, out-of-pocket costs, or access to providers, now is the perfect time to take a fresh look at your health coverage for the year ahead.

Health coverage isn’t one and done. Life changes, market shifts, and new coverage options mean that the plan you started the year with may no longer be the best fit for your needs or budget.

Here’s why reevaluating your health coverage in 2026 could be one of the smartest decisions you make for your family’s health and your financial peace of mind.

5 Reasons to Reevaluate Your Health Coverage in 2026

1. Marketplace Changes Can Shift Your Premium Costs Drastically

Health insurance costs on the Affordable Care Act (ACA) marketplace and through employer plans continue to evolve. Many plans are seeing premium increases, higher deductibles, and changes in cost-sharing, which can lead to unexpectedly higher expenses if you stick with last year’s coverage without reviewing alternatives.

This makes 2026 a great year to compare all your options.

2. You Might Now Qualify for Better Coverage Through Nebraska Farm Bureau Health Plans

Nebraska Farm Bureau (NEFB) Health Plans gives Nebraskans a new alternative to traditional marketplace plans. These plans are designed with farm and ranch families, self-employed individuals, and small business owners in mind and can offer significant savings compared to unsubsidized ACA plans.

3. Flexible Enrollment Means You Can Switch Anytime

Unlike ACA marketplace plans, NEFB Health Plans don’t require you to wait for a once-a-year open enrollment period. You can apply anytime throughout the year. That flexibility is a huge advantage if your life or coverage needs to change mid-year.

4. Coverage Options That Match Your Life

Whether you're looking for comprehensive family coverage, a catastrophic protection plan, or a high-deductible plan with an HSA, Nebraska Farm Bureau Health Plans offers a range

of choices — including Advanced Choice, Classic Choice, Major Medical, High Deductible (HSA-qualified), and bundled dental/vision plans.

5. Designed for Nebraska Families and Small Businesses

These plans are underwritten individually and not treated as traditional insurance, which allows them to be offered at competitive rates, often 30% to 50% less than non-subsidized ACA plans. They also come with a nationwide PPO provider network (UnitedHealthcare Choice Plus), so you can see providers across Nebraska and beyond.

And while enrollment requires Nebraska Farm Bureau membership, anyone with a Nebraska address can join. You don’t need to be a farmer or rancher.

Is It Time to Switch? Ask Yourself These Questions

· Has your current health coverage become significantly more expensive this year?

· Do you feel like you’re paying for benefits you don’t fully use?

· Are you uninsured or can’t afford current marketplace premiums?

· Has your family size or business situation changed recently?

· Would you benefit from a plan you can enroll in year-round?

If you answered yes to any of these, 2026 could be the year to seriously reevaluate your health coverage options.

Next Steps: Explore Nebraska Farm Bureau Health Plans

Nebraska Farm Bureau Health Plans are built for people just like you.

Visit nefbhp.com to learn more. Use the Find an Agent tool to connect with a Farm Bureau Financial Services agent who can walk you through your options. Consider becoming a Nebraska Farm Bureau member to unlock access to these plans.

Making an informed choice now can mean better coverage, lower costs, and greater peace of mind for you and your family throughout 2026 and beyond.

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