Start to Finish

Three Steps, About a Week End to End

You spend roughly an hour total. We spend the rest of it on carriers and paperwork.

1

Start With One Call

Or the form above, whichever is faster. The first conversation takes about fifteen minutes.

2

We Build the Options

Side-by-side plans from the carriers active in Nebraska, with the catch in each one spelled out rather than buried.

3

Enroll and Hand Off the Admin

We submit everything, brief your employees, and stay on as the people they call with coverage questions.

$0

Broker
Fees

Why Moran

The Broker Who Works For You

You will work with Amanda or Erik directly, from the first quote through every renewal. No account handoffs, no call center queue, no rotating rep who does not know your group.

Ongoing, Not Transactional

Mid-year additions, claims escalations, and renewal strategy stay part of the service.

A Real Person, Every Time

You get Amanda or Erik directly, not a call center. Same broker from quote to renewal.

We Handle the Paperwork

Enrollment, renewals, claims questions. We stay with you long after the policy starts.

Plans for Every Budget

From basic MEC plans to full PPO coverage, we find the right fit for your business.

What You Get

The Coverage Your Team Ends Up With

A benefits package that holds up against what larger Nebraska employers are offering.

🏥

Medical, Dental & Vision

Comprehensive coverage options from Nebraska's top carriers including Blue Cross Blue Shield of Nebraska, Medica, Aetna, UnitedHealthcare, and more.

💊

Prescription Drug Coverage

Robust pharmacy benefits included with most plans, reducing out-of-pocket costs for your entire team.

📋

HMO, PPO & HDHP Plans

We match your team to the right plan type, whether you need lower premiums, more flexibility, or HSA-compatible options.

🔄

Annual Renewal Support

We re-shop your plan every year at renewal to make sure you're still getting the best rate, always.

👥

Employee Onboarding Help

We walk your new hires through their options, answer their questions, and handle enrollment, so you don't have to.

📍

Multi-State Teams Covered

Have employees across multiple states? We're licensed in 30+ states and can structure coverage for your entire workforce.

More Than One Way to Fund Coverage

Traditional Group, Level Funded, and ICHRA Options in Nebraska

Whether you're in Omaha, Lincoln, or a rural county, the funding model you pick can swing your renewal by five figures. We quote all three.

🏛️

Traditional Group Health

Fully insured group plans with fixed monthly premiums. The most familiar option for Nebraska employees and the easiest to explain at hiring time.

📈

Level Funded Health Plans

Small-group pricing that works like a big company's self-funded plan, with stop-loss coverage protecting you from bad claim years. Healthy Nebraska teams frequently pay less than fully insured rates and can earn a surplus refund.

🧾

ICHRA (Individual Coverage HRA)

Set a monthly tax-free allowance per employee and let each person buy the individual plan that fits their family and their doctors. We handle the legal setup and ongoing compliance.

What Comes Across Our Desk

Common Nebraska Benefits Problems, and How We Work Them

These are illustrative scenarios rather than testimonials, included to show how we actually approach the work.

9 employees · cattle and grain operation

Schedule F income makes both subsidy math and premium affordability move from one year to the next.

How we approach it: We model the options side by side and tell you which one we would pick if it were our payroll.

12 employees · insurance services firm

Omaha staff who compare benefits packages professionally and will judge the plan on detail, not headline.

How we approach it: We price fully insured against level funded on the real census, and say plainly which one the roster supports.

18 employees · trucking and ag hauling

Drivers scattered across the western half of the state where a metro-built network stops being useful.

How we approach it: We quote every structure that could fit and explain the trade-off in each rather than leading with one product.

On the Ground in Nebraska

Nebraska market snapshot

Structural facts about Nebraska that decide which options can even apply to you.

Exchange

Nebraska uses the federal exchange, Healthcare.gov. There is no separate state exchange, and it lists only on-exchange plans, not the group or off-exchange market.

Medicaid

Nebraska expanded Medicaid by ballot initiative, so adults up to about 138% of the federal poverty level may qualify through Heritage Health. Farm income swings mean eligibility can change year to year.

Carriers competing here

The small group market in Nebraska includes Blue Cross and Blue Shield of Nebraska, Medica, UnitedHealthcare, Ambetter, and Avera Health Plans. We compare what is available to a group your size rather than leading with one carrier.

Where your rate comes from

Carriers file rates by rating area, which is why Omaha, Lincoln, Grand Island, and Kearney price differently for the same roster. Your local agriculture, insurance and finance, transportation, and food processing employers see the same spread. Blue Cross and Blue Shield of Nebraska anchors the market with Medica and others competing, and carrier options thin out noticeably outside Omaha and Lincoln. Agricultural income swings can move eligibility from one year to the next.

FAQ

Common Questions

Straight answers to what Nebraska employers ask us first.

One employee besides the owner is usually enough. Nebraska groups from 1 to 50 employees cannot be turned down for health reasons, so the questions that matter are participation and how much the business contributes.

It is free. Carriers pay us from premiums that are already filed and approved, so there is no scenario where using us costs you more than going direct.

Usually inside two weeks. Same-day quotes are normal, then effective dates are driven by the carrier's cutoff and when your team completes enrollment.

The carriers active in Nebraska's small group market include Blue Cross and Blue Shield of Nebraska, Medica, UnitedHealthcare, Ambetter, and Avera Health Plans. Nebraska pairs two competitive metros with wide rural stretches where carrier options and provider networks thin out considerably. We compare what is available to a group your size and present the options that fit, rather than leading with one carrier's product.

No Nebraska law requires it. Only the federal ACA employer mandate applies, and only to employers with 50 or more full-time equivalent employees. Nebraska expanded Medicaid by ballot initiative, so adults up to about 138% of the federal poverty level may qualify through Heritage Health. Farm income swings mean eligibility can change year to year.

Traditional group gives fixed, predictable cost with full guaranteed-issue protection. Level funded underwrites your group and can return part of a healthy claims year, which tends to reward younger teams. An ICHRA replaces the group plan with a defined tax-free allowance, and employees would buy those individual plans through Healthcare.gov or off-exchange. Blue Cross and Blue Shield of Nebraska anchors the market with Medica and others competing, and carrier options thin out noticeably outside Omaha and Lincoln. Agricultural income swings can move eligibility from one year to the next. We price all three against your census before recommending one.

Group Health Insurance for Your Nebraska Team.
Plans for 1 to 50 Employees.

Quote Request Received!

Small business benefits, structured like a large employer's.

Three Steps, About a Week End to End

Start With One Call

We Build the Options

Enroll and Hand Off the Admin

The Broker Who Works For You

Ongoing, Not Transactional

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

The Coverage Your Team Ends Up With

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Traditional Group, Level Funded, and ICHRA Options in Nebraska

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

Common Nebraska Benefits Problems, and How We Work Them

Nebraska market snapshot

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health Insurance for Your Nebraska Team.Plans for 1 to 50 Employees.

Quote Request Received!

Small business benefits, structured like a large employer's.

Three Steps, About a Week End to End

Start With One Call

We Build the Options

Enroll and Hand Off the Admin

The Broker Who Works For You

Ongoing, Not Transactional

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

The Coverage Your Team Ends Up With

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Traditional Group, Level Funded, and ICHRA Options in Nebraska

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

Common Nebraska Benefits Problems, and How We Work Them

Nebraska market snapshot

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health Insurance for Your Nebraska Team.
Plans for 1 to 50 Employees.