The Nebraska State Patrol said the accident happened around seven a.m. Sunday about two miles west of the Paxton interchange.
Charity Kugler was driving westbound when her vehicle went out of control and struck a west-bound semi. She then crossed the median and stopped in east-bound lanes.
Kugler was fatally injured and two passengers, Jason and Joy Kugler, were hospitalized.
The truck driver was not hurt and the accident is still under investigation