Myth: "I Don’t Need Health Insurance Because I’m Healthy"
Fact: Even if you’re in great health now, life is unpredictable. Accidents, illnesses, and medical emergencies can happen to anyone. Without insurance, the cost of medical care can be overwhelming. A single hospital stay or surgery can lead to thousands of dollars in medical bills. Health insurance helps protect you financially, even if you don’t visit the doctor often.
Myth: "Marketplace Plans Are Too Expensive"
Fact: Many Nebraskans qualify for financial assistance through the Marketplace. In fact, over 85% of Nebraskans enrolled in Marketplace plans receive premium subsidies. Depending on your income, you may qualify for significant discounts or tax credits, making coverage more affordable than you think. The Marketplace ensures that you only pay what you can afford, with subsidies available to lower your monthly premiums.
Myth: "I Can Enroll Anytime I Want"
Fact: Open Enrollment is a specific period when you can sign up for or change health insurance plans. For 2025, the Open Enrollment period in Nebraska runs from November 1, 2024, to January 15, 2025. If you miss this window, you can only enroll if you qualify for a Special Enrollment Period (SEP) due to life events such as marriage, job loss, or the birth of a child. Be sure to enroll during the designated period to avoid gaps in your coverage.
Myth: "All Health Insurance Plans Are the Same"
Fact: Not all health insurance plans are created equal. Plans vary based on coverage options, premiums, out-of-pocket costs, and provider networks. For instance, HMO plans typically have lower premiums but require you to use in-network doctors, while PPO plans offer more flexibility with higher premiums. It’s essential to compare the details of each plan to find one that fits your healthcare needs and budget.
Myth: "I Don’t Qualify for Health Insurance Because I’m Self-Employed"
Fact: Self-employed individuals, freelancers, and small business owners can absolutely qualify for health insurance through the Marketplace. In fact, many self-employed Nebraskans take advantage of Marketplace coverage, and you may be eligible for subsidies based on your income. There are affordable options available for independent workers, so don’t assume you’re left out just because you don’t have an employer plan.
Myth: "My Insurance Will Cover Everything"
Fact: While health insurance offers a safety net, it’s important to understand that not every service is covered. Most plans have deductibles, co-pays, and out-of-pocket maximums that you’ll be responsible for paying. Additionally, some treatments or medications may not be fully covered, especially if they are out-of-network or considered experimental. Always review your plan details and know what services are included to avoid unexpected expenses.
Myth: "Short-Term Health Plans Are Just as Good as Full Coverage"
Fact: Short-term plans might seem like a quick solution if you’ve missed Open Enrollment, but they don’t provide the same comprehensive coverage as Marketplace plans. These plans often exclude coverage for pre-existing conditions and essential health benefits, such as maternity care or prescription drugs. They’re intended for temporary use and can leave you vulnerable to high medical costs if you need significant care.
Myth: "Medicaid Is Only for Low-Income Individuals"
Fact: While Medicaid is income-based, many Nebraskans who may not consider themselves “low-income” could still qualify, especially with the expansion of Medicaid in recent years. Medicaid covers a wide range of individuals, including those with disabilities, pregnant women, and families with children. It’s worth checking if you’re eligible based on your household size and income level.
Myth: "I Can Just Pay the Penalty Instead of Getting Insurance"
Fact: As of 2019, there is no longer a federal penalty for not having health insurance. However, the absence of a penalty doesn’t mean going without coverage is a good idea. Medical costs can quickly add up, and having insurance provides critical protection in case of unexpected illnesses or accidents.
Myth: "I Don’t Need Preventive Care If I Feel Fine"
Fact: Preventive care is one of the most valuable aspects of health insurance. Annual check-ups, screenings, and vaccinations can help catch potential health issues early, before they become serious. Most health insurance plans, including those through the Marketplace, offer preventive services at no additional cost, making it easy to stay proactive about your health.
Myth: "Health Insurance is Only Useful for Major Illnesses"
Fact: Health insurance isn’t just for emergencies or catastrophic health events. It covers a wide range of services, including prescription medications, mental health services, therapy, and even telemedicine consultations. Routine care is often included, so you can maintain your health and address smaller health concerns before they escalate.
