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Individual and Family Health Plans

Armor Health Insurance

Affordable, comprehensive coverage at a lower monthly cost than many ACA plans and without the constraints of traditional enrollment periods. 

A Smarter Alternative for Eligible Clients.
Armor Health helps individuals and families access quality health coverage now, with predictable out-of-pocket costs, broad provider access, and protection that can continue beyond the initial coverage period for eligible members. With coverage available for up to three consecutive terms, Armor Health provides a long-term solution for individuals and families seeking affordability, flexibility, and access to quality care.

Armor advantages include:
  • Lower monthly premiums
  • Out-of-network & out-of-state coverage
  • Preventive care covered at 100% in-network
  • $0 in-network preferred generic prescriptions
  • Multiple low deductible and maximum out-of-pocket options including copay plans
  • No annual dollar limits on covered services
  • No hidden benefit-specific dollar caps

Armor Health helps you expand your portfolio with a product that balances affordable coverage without the complexity of ACA plans.

Tri-Term Armor Health Graphic

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
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Call 888-926-1203 or request a quote!

Plan Options

With Armor Health, you don't have to choose between great coverage and affordability. All three plans offer the same robust benefits and network, so you can focus on selecting the cost-sharing option that works best for you and your family.
Armor Health Option 1

$2,500 Individual
$5,000 Family
Deductibles

  • Copay plan
  • Lowest out-of-pocket costs
  • Best for individuals and families who expect to use healthcare services more often
Armor Health Option 2

$5,000 Individual
$10,000 Family
Deductibles

  • Copay plan
  • Mid-range out-of-pocket costs
  • A balanced option for many individuals and families
Armor Health Option 3

$7,500 Individual
$15,000 Family
Deductibles

  • Same comprehensive coverage
  • Highest out-of-pocket costs
  • Best for individuals and families who anticipate fewer healthcare needs

Doctor and Hospital Network Options

Armor Health gives you access to our broad, statewide network, making obtaining in-network care easy and convenient. 
NEtwork BLUE
NEtwork BLUE

NEtwork BLUE is our statewide network, made up of 99% of Nebraska’s doctors and 98% 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. Jan. 15, 2026

And to our nationwide access network, BlueCard. The BlueCard Program gives you access to doctors and hospitals almost everywhere within the United States. You are covered whether you need care in urban or rural areas. Outside of the United States, members have access to doctors and hospitals in nearly 200 countries and territories around the world through the Blue Cross Blue Shield Global® Core Program.

Prescription Drug Coverage

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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.

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Convenience

With many in-network pharmacies to choose from, you can fill prescriptions close to home or work.
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Time Savings

You may have up to a 90-day supply of maintenance medications delivered directly to you.

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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.

FREQUENTLY ASKED QUESTIONS

Armor Health is a tri-term medical plan offering coverage for 36 months consecutively.
Armor Health is a major medical plan modeled after ACA products, meaning it covers many of the same healthcare services that standard ACA plans cover. The main differences between Armor Health and ACA plans are that Armor Health has a lifetime benefit maximum of $1 million and does not cover maternity, inpatient mental illness, inpatient substance abuse, pediatric dental or pediatric vision services. Armor Health has a 12-month waiting period for pre-existing conditions on new sold business.

Resident of Nebraska, United States citizen between the ages of 1-65 who are not eligible for Medicare, and not an expectant mother of father. Applications are subject to medical underwriting to determine eligibility. 

Legal dependents up to age 26 and spouse under 65 are eligible to apply for new or existing coverage any time. 

No, you can apply for a 36-month policy at any time of the year.

Yes, Armor Health policies are fully underwritten during the initial enrollment period. Underwriting is also completed annually at each coverage renewal throughout the 36-month contract term to determine ongoing eligibility and premium rates.

 

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, preventive services, as defined by the ACA, are covered at 100% when in-network providers are used. Preventive services include, but are not limited to, annual exams, well-child visits, immunizations and colorectal and breast cancer screenings. 

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. 

Armor Health is not an ACA-compliant plan. This means that losing Armor Health coverage does not qualify for a Special Enrollment Period (SEP) to purchase an ACA on-exchange plan, only off-exchange. Because this is not an ACA-compliant plan, you cannot purchase Armor Health from HealthCare.gov.

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

A pre-existing condition is a sickness, injury, or medical condition that existed before your Armor Health coverage became effective, including conditions for which you received medical advice, diagnosis, treatment, care, or prescription medications. Coverage for pre-existing conditions is subject to a 12-month waiting period. Members who maintain continuous Armor Health coverage with no lapse may have the pre-existing condition waiting period waived after the initial 12-month coverage period.

1Armor Health policies have a 12-month waiting period for preexisting conditions. After the initial 12-month coverage period, members who continue their Armor Health with no lapse will have the preexisting waiting period waived. The Contract will be renewed each month when you pay your premium for a period of up to one day less than 36 months (11:59 p.m.), subject to medical underwriting and eligibility guidelines every 12 months.

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