Nebraska insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Nebraska. Updated Mar 31, 2026.
Department of Insurance
Nebraska operates under a Prior Approval rate filing system for most insurance lines. The Nebraska Department of Insurance regulates all insurance business through Chapter 44 of the Nebraska Revised Statutes. The state emphasizes consumer protection through strict rate review, mandatory coverage requirements, and guaranty association protections.
Auto Insurance
Notable Laws
- Neb. Rev. Stat. § 44-6408: Mandates UM/UIM coverage at minimum limits of $25,000/$50,000 with option to purchase higher limits up to $100,000/$300,000
- Neb. Rev. Stat. § 60-3,167: Requires motor vehicle liability insurance or proof of financial responsibility for all vehicles
- Neb. Rev. Stat. § 44-354: Establishes rate filing requirements for private passenger auto insurance
- Neb. Rev. Stat. § 44-7705: Regulates use of credit information in auto insurance underwriting and rating
- LB 912 (2023): Provides for reasonable terms for contracting UM/UIM coverage under the Uninsured and Underinsured Motorist Insurance Coverage Act
Homeowners Insurance
Notable Laws
- Neb. Rev. Stat. § 44-522: Requires 60 days notice for cancellation or nonrenewal; 10 days for nonpayment
- Neb. Rev. Stat. §§ 44-1536 to 44-1545: Loss settlement and claim handling requirements for property insurance
- Neb. Rev. Stat. §§ 44-7704 to 44-7711: Credit scoring regulations allowing use with consumer protections
- Neb. Rev. Stat. § 44-7506: File & Use rate filing system for homeowners insurance
- Neb. Rev. Stat. § 44-522(3): Limits reasons for cancellation after 60 days to nonpayment, misrepresentation, fraud, or increased risk
Recent Bulletins
Filing Guidance for Individual and Small Employer Health and Dental Plans in Nebraska
Revised filing guidance for Plan Year 2026 health and dental insurance, detailing submission requirements, deadlines, and compliance standards for individual and small group markets.
View bulletinSales of Medicare Advantage Plans by Insurance Consultants
Guidance addressing Department inquiry with CMS regarding the allowability of using insurance consultants for Medicare Advantage plan sales following commission changes by carriers.
View bulletinSuspension of Remote Testing Sites for Agent Licensing
Notification of immediate change to insurance producer licensing process suspending remote testing site availability.
View bulletinStandard Prior Authorization Instructions for Health Care Services and Drug Benefits
Standard prior authorization form requirements for all health insurers covering healthcare services including medical injectables, drug benefits, and durable medical equipment.
View bulletinCredit Life Insurance and Credit Accident and Health Insurance Rates
Updated guidance on permissible rates for credit life and credit accident and health insurance products in Nebraska.
View bulletinRecent Law Changes
Ensuring Transparency in Prior Authorization Act
Establishes comprehensive regulations for prior authorization processes requiring standardized forms, physician review of adverse decisions, peer-to-peer consultations upon request, and timely decision-making. Also mandates insurance and Medicaid coverage of biomarker testing.
All fully insured health plans in Nebraska must use standardized prior authorization forms and ensure physician review of denials, improving transparency and reducing administrative burden.
Effective: 2026-01-01
Uninsured and Underinsured Motorist Insurance Coverage Act Amendments
Provides for contracting for reasonable terms for coverage under the Uninsured and Underinsured Motorist Insurance Coverage Act, clarifying contractual provisions and coverage options.
Insureds have clearer contractual terms for UM/UIM coverage with enhanced ability to negotiate reasonable coverage provisions.
Effective: 2023-09-02
Telehealth Insurance Coverage Requirements
Changes provisions related to insurance coverage of telehealth services, requiring health insurers to provide parity coverage for services delivered via telehealth compared to in-person services.
Health insurers must cover telehealth services at parity with in-person care, expanding access to remote healthcare services for Nebraska residents.
Effective: 2024-07-01
Medicare Supplement Annual Open Enrollment
Establishes an annual 30-day open enrollment period for Medicare supplement insurance policies, allowing eligible Nebraska residents to enroll without medical underwriting during specified timeframes.
Medicare beneficiaries gain annual opportunities to obtain Medicare supplement coverage without facing medical underwriting restrictions.
Effective: 2025-07-01
Property Casualty Insurance Rate and Form Act Amendments
Changes and provides limitations on the rating systems an insurer can file under the Property Casualty Insurance Rate and Form Act, establishing new constraints on rate structure flexibility.
Insurers face new limitations on property and casualty rating system variations, potentially affecting pricing structures and underwriting flexibility.
Effective: 2025-09-01
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