Individual and Family Health Plans
Armor Health Insurance
A simple, affordable option outside the ACA
Armor Health is a flexible health insurance plan that gives individuals and families a budget-friendly alternative to ACA coverage. It’s a short-term plan that lasts for nearly three years (three terms, minus one day), making it a great option for people who want coverage without the higher costs of traditional plans.
Armor Health offers:
- Lower monthly costs
- Coverage for up to three years
- Options that fit different needs and budgets
It’s a smart choice for individuals and families who want temporary coverage that still gives them peace of mind.
Unlike other short-term plans, Armor Health is an enhanced tri-term plan, meaning it covers more than traditional short-term plans.
With Armor Health, you get:
- Low in-network deductibles
- In-network preventive care covered at 100%
- Child-only coverage
- Out-of-network coverage
- Preferred generic drugs at no cost
- Access to a nationwide network of doctors and hospitals
- Coverage for pre-existing conditions after satisfaction of a 12-month waiting period1
- Experienced, local customer service
- And more
Armor Health is a great option if you need:
- Flexibility, offering one month of coverage or more (up to 36 months)
- Affordability
- Individual coverage for employees
- An alternative to COBRA coverage
$2,500 Individual
$5,000 Family
Deductibles
$5,000 Individual
$10,000 Family
Deductibles
$7,500 Individual
$15,000 Family
Deductibles
Doctor and Hospital Network Options
NEtwork BLUE
NEtwork BLUE is our statewide network made up of 99% of Nebraska's doctors and 98% of non-governmental acute care hospitals.*
NEtwork BLUE provides access to:
- Hospitals and clinics across Nebraska
- Primary and specialty care providers
- Heart, cancer and trauma centers
- Children’s care
- Behavioral health network
* Source: BCBSNE statistics. June 23, 2025.
Prescription Drug Coverage
Cost Savings
You pay less when you choose generic medications from our drug list. You should talk to your doctor about what is right for you.
Convenience
With many in-network pharmacies to choose from, you can fill prescriptions close to home or work.
Time Savings
You may have up to a 90-day supply of maintenance medications delivered directly to you.
Online Resources
You may search the drug list, find a pharmacy, view your claims and estimate the cost of medications 24/7 by logging in to myNebraskaBlue.com.
Tools and Resources
Online Tools
Access our online member resource center to find in-network doctors, track medical bills and health care spending.
Estimate Costs
Get estimated costs for hospital stays, MRIs, office visits, surgeries, vaccines, X-rays and more.
Discount Programs
Get exclusive discounts and savings that make it easier and more affordable to make healthy choices with Blue365.Need to add a dependent?
Calculate Rates
Use our rate book to estimate your individual or family base rate. Rates are based off on age, sex, tobacco use, health status and medical history. Once you complete the application, BCBSNE will provide an underwritten rate that may be different than the base rate.
Review Armor Health Benefits
Take a peek at the benefits Armor Health has to offer. Armor Health plans have preventive services covered at 100% as well as preferred generic prescriptions at no cost.
Check the Network
Review the NEtwork BLUE network to determine if your doctors and hospitals are in network. This statewide network is made up of 98% of Nebraska's doctors and non-governmental acute care hospitals.
Apply for Coverage
Complete the application below to apply for Armor Health coverage. Coverage will only be offered to individuals who can pass medical underwriting based on age, sex, tobacco use, health status and medical history.To learn more about medical conditions that may be declined, refer to the Underwriting Conditions List.
Send your completed application by email or mail to:
Email: MUW@NebraskaBlue.com
Mail: Blue Cross and Blue Shield of Nebraska
Individual Underwriting Department
P.O. Box 3248
Omaha, NE 68180
Once your application is received, it will be processed by one of our agents. Once complete, they will reach out to you with your personalized quote.
Nebraska residents ages 1 to 65 who are not eligible for Medicare may apply.
The application includes a medical questionnaire, which is reviewed under medical underwriting to determine eligibility. Only current Armor Health members on a 36-month contract can add dependents to their policy. Dependents must be Nebraska residents, under the age of 65 to be added as a spouse or under the age of 26 to be added as a dependent child.
Yes, Armor Health policies are fully underwritten upon initial enrollment period. Underwriting will also occur each coverage term to determine premium rates and eligibility, underwriting is based on age, sex, medical history and tobacco use.
Armor Health has a waiting period of 12 months for pre-existing conditions. After the first coverage term, members who continue to be eligible for Armor Health will have that waiting period waived.
Yes, Armor Health provides prescription drug coverage. Preferred and non-preferred generics are subject to a copay. Members may get covered brand name and specialty drugs at the BCBSNE negotiated rate. You can view in-network pharmacies (Network J) and the prescription drug list (PDL 40) online.
Please note that pharmacy copays do not apply to the out-of-pocket maximum.
Health insurance issuers offering individual health insurance coverage or short-term limited duration plans in the individual market must let individuals know about direct and indirect compensation provided to the agent or broker. The broker’s compensation is paid by the insurance carrier. Monthly premium is the same whether or not individuals use a broker.
View 2024 information