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    Health, Medicare, and Life Insurance Broker in Omaha, Nebraska

    Compare plans from 200+ carriers and understand your true costs - then get expert verification from a licensed advisor when you're ready. Helped 1,284+ families find coverage. Free consultations, licensed in all 50 states.

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    Licensed in All 50 States
    Independent - Not Tied to One Carrier
    200+ Carriers Available
    1,284+ Families Helped
    5.0· 53 Reviews
    Nick Depke, independent insurance broker

    Why I Do This Differently

    I became an insurance broker after watching my own parents struggle with Medicare. They were overwhelmed by conflicting information and pushy sales tactics.

    That's when I realized: people don't need another salesperson. They need an educator. Someone who will answer their questions honestly - even if it means recommending they don't buy certain coverage.

    As an independent broker licensed in all 50 states, I'm not tied to any single insurance company. I've helped 1,284+ families find the right coverage - and I show you every option so you can choose what's right for your situation.

    Read My Full Story
    Top Rated Agent on Medicare Agents HubVerified Local Agent on Medicare Agents HubDepke Insurance Agency BBB Business Review

    Your Free, Personalized Quote - Delivered to Your Inbox

    See what you qualify for before we ever talk. 3 minutes, zero obligation, zero cost.

    Get My Free Quote Or call (402) 680-6171

    Types of Insurance We Help With

    From Medicare enrollment in Omaha to self-employed health insurance across Nebraska - we answer the questions others avoid, including pricing, honest comparisons, and when not to buy certain coverage.

    Medicare

    Compare Medicare Supplement vs. Advantage plans, understand Parts A through D, enrollment periods, and costs. Serving Omaha, Nebraska, and all 50 states.

    Learn More About Medicare

    Health Insurance

    ACA marketplace plans, subsidies, individual and family coverage, plus self-employed health insurance options in Nebraska. We help you understand what you're buying.

    Learn More About Health Insurance

    Life Insurance

    Term vs. permanent, how much you need, costs by age. No one-size-fits-all recommendations - just honest analysis based on your family's needs.

    Learn More About Life Insurance

    Supplemental Benefits

    Dental, vision, hospital indemnity, critical illness, and accident insurance. Honest analysis of when supplemental coverage makes sense and when it doesn't.

    Learn More About Supplemental Benefits

    Get a personalized quote delivered to your inbox - takes about 3 minutes, no obligation

    Get a Free Quote

    We Compare Plans From 200+ Carriers, Including

    Blue Cross Blue Shield
    UnitedHealthcare
    Manhattan Life
    Aetna
    Humana
    Cigna
    Mutual of Omaha
    Anthem
    Ambetter
    Oscar Health
    Molina Healthcare
    Physicians Mutual
    Medica
    Kaiser Permanente
    Blue Cross Blue Shield
    UnitedHealthcare
    Manhattan Life
    Aetna
    Humana
    Cigna
    Mutual of Omaha
    Anthem
    Ambetter
    Oscar Health
    Molina Healthcare
    Physicians Mutual
    Medica
    Kaiser Permanente

    …and many more. As an independent agency, we're not limited to a single carrier.

    Who We Help

    Whether you're turning 65, starting a business, or simply looking for better coverage, we provide the unbiased guidance you need to make a confident decision.

    Turning 65 & New to Medicare

    Navigating Medicare for the first time can feel overwhelming. We walk you through Parts A, B, C, and D - plus help you compare Supplement and Advantage plans side-by-side so you enroll with confidence.

    Current Medicare Beneficiaries

    Already on Medicare but unsure if you have the right plan? We review your current coverage, compare alternatives, and make sure you're not overpaying - especially during Annual Enrollment.

    Self-Employed Individuals

    Finding affordable health insurance when you're self-employed in Nebraska doesn't have to be complicated. We help you explore ACA marketplace plans, subsidies, and tax-deductible options tailored to your income.

    Small Business Owners

    Whether you're offering group health insurance for the first time or looking for better rates, we compare plans from multiple carriers so you can provide competitive benefits without overspending.

    Families & Individuals

    From young families shopping for ACA marketplace coverage to individuals looking for life insurance or supplemental benefits, we help you understand your options and find the right fit for your budget.

    Quote Your Coverage Options

    Want to see what plans and pricing look like in your area? Use the tools below to explore your options - no commitment, no obligation.

    ACA Health Insurance

    Browse marketplace plans, see your estimated subsidy, and compare costs for individual and family coverage.

    View ACA Plans

    Medicare Plans

    Quote Medicare Advantage, Medicare Supplement, and Part D prescription drug plans available in your area.

    View Medicare Plans

    Life Insurance

    Get a quick, no-obligation life insurance quote. See term and coverage options tailored to your needs.

    Get Life Quote

    Real Savings From Real Clients

    5.0

    Based on 53 reviews on Google

    View all →
    Saved $340/month
    "Nick saved us over $340/month on our family health insurance. We were paying $820 on COBRA after my husband changed jobs - Nick found us a marketplace plan with better coverage for $475. We had no idea we qualified for subsidies."

    Katie B.

    Family of 4 · Omaha, NE

    Avoided costly coverage gap
    "I was about to sign up for the first Medicare Advantage plan I found. Nick showed me a Supplement plan that costs $47 more per month but saves me thousands if I ever need surgery. He walked me through every scenario with zero pressure."

    Max S.

    Turning 65 · Medicare enrollee

    $62/month after subsidies
    "As a self-employed photographer, I assumed I couldn't afford real health insurance. Nick found me a Silver plan for $62/month after subsidies - and showed me how to deduct it on my taxes. The whole call took 20 minutes."

    Karena N.

    Self-employed · Lincoln, NE

    Saved $200/month at renewal
    "Nick has been my insurance guy for years. He always takes time to walk me through each plan. He's patient and never pushy. When my rates jumped $200/month last year, he moved me to a better plan that actually cost less. If you need an insurance guy, choose Nick."

    Natalie L.

    Long-term client · Omaha, NE

    Read all 53 reviews on Google →

    Frequently Asked Questions

    Common questions about working with an independent insurance broker in Omaha, Nebraska.

    Do you charge for consultations?
    No. Our consultations are always free with no obligation. As an independent insurance broker in Omaha, we are paid by the insurance carriers, not by you - so our service costs you nothing extra.
    What is the difference between Medicare Advantage and Medicare Supplement?
    Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes drug coverage and extras like dental. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs like copays and deductibles. Advantage plans typically have lower premiums but use provider networks, while Supplement plans offer more freedom to see any doctor who accepts Medicare. As a Nebraska Medicare advisor, we help you compare both options side-by-side.
    What states do you serve?
    We are licensed in all 50 states and can help you no matter where you live. Based in Omaha, Nebraska, we serve clients locally and nationwide. Consultations are done by phone or video, so location is never a barrier.
    What does an independent insurance agent actually do?
    An independent agent works with multiple insurance carriers - not just one company. This means we can compare plans side-by-side and recommend the best fit for your situation, rather than pushing a single company's products. Our job is to educate you so you can make a confident decision.
    Can you help me compare plans?
    Yes. As an independent agency with access to 200+ carriers, we show you side-by-side comparisons of plans, premiums, deductibles, and networks so you can see exactly what you're getting. Whether you need a Medicare broker in Omaha or a health insurance agent anywhere in the country, we do the research for you.
    When is Medicare Open Enrollment?
    Medicare's Annual Enrollment Period (AEP) runs from October 15 to December 7 each year, allowing you to change Medicare Advantage or Part D plans. The Initial Enrollment Period starts three months before you turn 65 and ends three months after. There's also a Medicare Advantage Open Enrollment from January 1–March 31.
    How much does health insurance cost without an employer?
    Individual health insurance costs vary widely based on your age, location, tobacco use, and plan type. ACA marketplace plans range from roughly $200 to $800+ per month before subsidies. Most people qualify for subsidies that significantly reduce premiums - sometimes to under $50/month. We help self-employed individuals and families in Nebraska find out exactly what they qualify for.
    Do I need life insurance if I'm single with no dependents?
    It depends. If no one relies on your income, you may not need much coverage. However, locking in a life insurance policy while you're young and healthy means significantly lower rates. If you have debts like student loans with a cosigner, or plan to have dependents someday, getting coverage early is one of the smartest financial moves you can make.
    What is supplemental insurance and do I need it?
    Supplemental insurance - like hospital indemnity, critical illness, or accident insurance - pays cash benefits directly to you when a covered event happens. It's designed to fill gaps in your primary health insurance, especially if you have a high-deductible plan. Whether you need it depends on your savings, your deductible, and your risk tolerance.
    How do ACA subsidies work?
    ACA subsidies (premium tax credits) lower your monthly health insurance premium based on your household income relative to the federal poverty level. If your income is between 100% and 400% of FPL - or even higher under current rules - you likely qualify. Learn more about how to apply for subsidies.
    What happens if I miss my Medicare enrollment deadline?
    Missing your Medicare enrollment deadline can result in permanent late enrollment penalties - 10% added to your Part B premium for every 12 months you were eligible but didn't enroll. You may also have to wait until the next enrollment period to sign up, leaving you without coverage. We help make sure you never miss a deadline.
    Is dental insurance worth it?
    It depends on your dental health and needs. If you only need cleanings and checkups, a discount dental plan may be more cost-effective. If you anticipate crowns, implants, or other major work, a traditional dental insurance plan with higher coverage limits often pays for itself. We help you compare both options.

    Ready to Find the Right Coverage? Get a Free Quote

    Tell me about your situation and I'll research the best options for you - no obligation, no pressure. Takes about 3 minutes.

    Get a Free Quote (402) 680-6171