Lincoln has 294,856 residents in 122,623 households. We list 12 agencies for health insurance in Lincoln. Here is what the local numbers say about the cover people here need.

Lincoln at a glance

12health insurance agencies listed
43.9%of households rentRenters insurance
$264,000median home valueHome insurance
1982median year homes were builtRebuild cost calculator
6.7%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Lancaster County

FEMA rates the overall natural hazard risk in Lancaster County, where most Lincoln agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Lincoln
Winter weatherVery High
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Lincoln
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Lincoln
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Lincoln

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Lincoln agencies work with

Of the 12 Lincoln agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Medicare Advantage9 agencies
Centene8 agencies
UnitedHealthcare8 agencies
Ameritas Life Insurance7 agencies
Aetna5 agencies
Medico Life and Health Insurance Company5 agencies
Molina Healthcare of Texas,4 agencies
Humana3 agencies
LOYAL AMERICAN LIFE INSURANCE COMPANY3 agencies
COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Lincoln agencies are

Lincoln agencies we list sit in 6 ZIP codes, mostly in Lancaster County.

685165 agencies
685052 agencies
685062 agencies
685081 agency
685231 agency
685421 agency

Questions

Health insurance in Lincoln

All insurance agencies in Lincoln · Health insurance across Nebraska

Where can I find health insurance in Lincoln?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do Lincoln agencies work with?

Among the 12 Lincoln agencies whose appointments we hold, the companies they are most often appointed with are Medicare Advantage (9), Centene (8), UnitedHealthcare (8), Ameritas Life Insurance (7), Aetna (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Lincoln?

FEMA's National Risk Index rates inland flooding risk in Lancaster County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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