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What is the Health Insurance Marketplace?

The Health Insurance Marketplace is the federal health insurance exchange that will be operated for Nebraska.  The ACA created health insurance exchanges as places where individuals, families, and small employers can compare private health insurance plans and shop for coverage. Exchanges also provide access to a new type of tax credit to help lower and middle-income individuals pay for coverage. Through exchanges, many lower-income and middle income individuals can get help to reduce their out-of-pocket costs (deductiblescoinsurance, or copayments) when they receive health care services. Insurers may sell plans through the exchange as well as in the market outside the exchange. Premium tax credits and cost-sharing reductions are not available for plans outside the exchange.

To learn more or to apply for coverage through the Health Insurance Marketplace, individuals and families should visit HealthCare.gov. For more general information about health insurance exchanges, visit the federal government’s website.

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