Updated: August 12, 2026
Advertising & Editorial Disclosure
Hometown Health is the best health insurance provider in Nevada, with Silver HMO premiums averaging $627 per month for 40-year-olds.
SelectHealth is Nevada's most affordable insurer at $517 monthly, best for budget-focused adults comfortable with higher deductibles.
Your maximum out-of-pocket cost, not your premium, determines what you'll actually spend if you need serious care.
Nevada premiums jumped 26% for 2026. Check subsidy eligibility at Nevada Health Link before enrolling as 82% of 2026 enrollees received subsidies averaging $516 per month in reductions.
Hometown Health is the best health insurance provider in Nevada for 2026. Its Silver HMO plans average $627 per month with a $4,986 deductible for 40-year-olds. Its network is concentrated in northern Nevada, including 18 primary care clinics and four hospitals.
SelectHealth is the best choice for affordability, with average monthly premiums of $517. That's $1,320 less per year than Hometown Health. Anthem averages $728 per month but has broader statewide availability.
Overall Value & Provider Network | Hometown Health | $627 | $7,981 | $4,986 | 4.7 | SENSIBLE Silver HSA HMO IFP |
Most Affordable | SelectHealth, Inc. | $517 | $8,250 | $6,250 | 4.5 | Value Silver 5000 Medical Deductible - No deductible for office visits |
Statewide Coverage | Anthem | $728 | $8,930 | $4,970 | 4.2 | Anthem Silver X 3600 for HSA (+ Incentives) |
* Rates shown are statewide averages for 40-year-olds with Silver-tier HMO plans. Nevada's health insurance options vary by county, so compare costs and confirm that your preferred doctors and hospitals are in-network before choosing a company.
Best for Overall Value & Provider Network
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Best for Most Affordable Health Insurance
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Best for Statewide Coverage
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Hometown Health tops every HMO age group in our 2026 Nevada analysis, from $448 monthly for 18-year-olds to $1,331 for 60-year-olds. SelectHealth is the only EPO option, starting at $369 for teens. The premium difference between Hometown Health and SelectHealth is $79 monthly at 18, $233 at 60.
Teens (18) | Hometown Health HMO ($448) | SelectHealth HMO ($369) |
Young Adults (26) | Hometown Health HMO ($502) | SelectHealth HMO ($414) |
Adults (40) | Hometown Health HMO ($627) | SelectHealth HMO ($517) |
Seniors (60) | Hometown Health HMO ($1,331) | SelectHealth HMO ($1,098) |
HMO Plans | Hometown Health ($627) | SelectHealth ($517) |
EPO Plans | SelectHealth ($535) | Anthem ($726) |
A 60-year-old pays $1,331 monthly with Hometown Health, $883 more per month than an 18-year-old on the same plan. That $10,596 annual gap is large enough that seniors close to 65 should model both marketplace and Medicare Advantage costs before committing to an ACA plan for 2026.
Different providers lead each metal tier in Nevada. Community Care Health Plan of Nevada charges $651 monthly for Bronze coverage with $7,200 deductibles. Ambetter's Gold plans cost $847 monthly with $836 deductibles.
Hometown Health provides the best Silver tier plan at $627 monthly with $4,986 deductibles. Nevada has no Expanded Bronze or Platinum plans for 2026.
The Gold vs. Bronze math in Nevada is worth running before defaulting to Bronze. Gold premiums run $196 more per month, but Gold deductibles average $6,364 lower. A policyholder who hits their deductible once: one surgery, one ER visit, one specialist-heavy quarter recovers that premium gap within the plan year. Bronze makes financial sense only for healthy enrollees who are confident they won't approach their deductible.
Bronze | Community Care Health Plan of Nevada | $651 | $8,485 | $7,200 |
Silver | Hometown Health | $627 | $7,981 | $4,986 |
Gold | Ambetter | $847 | $6,943 | $836 |
Hometown Health's premium difference over SelectHealth is $79 per month at 18, $110 at 40 and $233 at 60.
Monthly premiums, deductibles and out-of-pocket maximums vary across metal tiers and providers. This table compares Nevada health plans by age, coverage level and HSA eligibility.
| SelectHealth, Inc. | $517 | HMO | Silver | $8,250 | $6,250 | 40 | No |
| Imperial Insurance Companies, Inc. | $525 | HMO | Silver | $9,200 | $6,750 | 40 | No |
| Hometown Health | $627 | HMO | Silver | $7,981 | $4,986 | 40 | No |
| Molina Healthcare of Nevada, Inc. | $638 | HMO | Silver | $8,990 | $6,000 | 40 | No |
| Health Plan of Nevada, Inc. | $663 | HMO | Silver | $9,007 | $5,117 | 40 | No |
| CareSource Nevada Co. | $716 | HMO | Silver | $9,600 | $5,400 | 40 | No |
| Ambetter | $725 | HMO | Silver | $8,456 | $7,167 | 40 | No |
| Anthem | $728 | HMO | Silver | $8,930 | $4,970 | 40 | No |
*Some providers offer multiple plans of the same type and tier. Rates are based on company averages across all available plans for the given age, plan type and metal tier.
Shopping for health insurance in Nevada for 2026 starts at Nevada Health Link, the state's official marketplace and the only source where you can access premium tax credits. The steps below cover what to check before you enroll.
Nevada's 2026 market has no PPO plans. Your specialist access is determined by which insurer you pick before you enroll. In our data, upgrading from Hometown Health Silver HMO to Gold HMO costs $200 more per month and cuts the deductible by $2,686.
Nevada offers only HMO and EPO plans. HMOs require a primary care referral to see a specialist. EPO plans skip the referral but still restrict you to in-network providers. Neither plan type lets you see any doctor you choose. Your network access is fixed the moment you pick an insurer.
Nevada's average deductible gap between Bronze and Gold is $6,364 per year: Community Care's $7,200 Bronze deductible versus Ambetter's $836 Gold deductible. That gap determines how much you pay out of pocket before coverage starts on any single claim.
Anthem, Health Plan of Nevada and SilverSummit Healthplan operate in different Nevada regions with different networks and drug formularies. Your doctors must participate in the plan you choose as out-of-network care isn't covered on HMO or EPO plans.
Nevada Health Link's Open Enrollment for 2026 ran from November 1, 2025 through January 15, 2026. Plans selected by December 31, 2025 received January 1, 2026 coverage. Those who enrolled between January 1 and January 15, 2026 received February 1 coverage. A Special Enrollment Period opens within 60 days of qualifying life events including job loss, marriage, divorce or childbirth. County, age and metal tier all affect your Nevada premium quote.
Nevada Medicaid covers adults earning up to 138% of Federal Poverty Level since the state's 2014 expansion. Marketplace premium tax credits reduce costs for incomes between 138% and 400% of FPL. Silver plans cost $0 monthly for some households. Seniors 65 and older qualify for Medicare. Medicare Advantage plans bundle hospital and medical benefits with added services. Medicare Supplement plans cover Original Medicare's deductibles and co-insurance.
Nevada's marketplace offers only HMO and EPO plans for 2026, so your network access and referral requirements are determined before you choose an insurer.
Nevada HMO plans for 40-year-olds start at $563 monthly for Bronze and reach $854 at Gold. EPO plans cost less at every tier, from $510 at Bronze to $743 at Gold. Nevada's health insurance premiums rose 26% on average for 2026.
| EPO | $510 | $599 | $743 |
| HMO | $563 | $706 | $854 |
* Average monthly premiums for 40-year-olds in Nevada by plan type. Rates vary by age and location.
For northern Nevada residents who use care regularly, we'd recommend Hometown Health based on total annual cost. Its $4,986 Silver deductible is $1,264 lower than SelectHealth's for a near-identical HMO plan. For members who expect to hit their deductible, Hometown Health costs less annually than SelectHealth despite the $110 monthly premium gap.
And for healthy adults in southern Nevada who expect zero or one claim this year, SelectHealth's $517 Silver rate saves $1,320 per year over Hometown Health.
Rural Nevada residents and members who travel between Reno and Las Vegas need Anthem's statewide network. At $728 monthly, that premium is real. In my analysis, it is also the only plan that covers all 82 Nevada cities. In 2026, 82% of Nevada enrollees received subsidies averaging $516 per month in reductions. At Nevada's 26% 2026 premium increase, the unsubsidized rate and your actual cost can differ by thousands annually.
Nevada has no state health insurance mandate or penalty for going uninsured. The federal individual mandate penalty was eliminated in 2019, so Nevada residents have no consequences at the state or federal level for skipping coverage. Going uninsured still leaves you responsible for all medical costs.
Nevada Health Link is the only place to access premium tax credits in 2026. For the 82% of 2026 Nevada enrollees who received subsidies averaging $516 per month, buying off-exchange means paying $6,192 more per year for identical coverage. Confirm eligibility before purchasing outside the health insurance marketplace.
Nevada Medicaid covers adults earning up to $22,024.80 per year as a single person, which is 138% of the 2026 federal poverty level. Residents above that threshold may qualify for premium subsidies through Nevada Health Link if their household income falls below $63,840 annually for one person. In 2026, 82% of Nevada Health Link enrollees received subsidies averaging $516 per month in reductions.
Choose HSA-eligible Bronze or Silver plans to reduce taxable income. Apply for premium tax credits at Nevada Health Link if your household earns between 138% and 400% of the Federal Poverty Level, 82% of 2026 enrollees qualified, receiving an average of $516 per month in reductions. Compare at least three insurers before enrolling: identical Silver HMO coverage costs up to $211 per month less between Nevada's top-ranked insurers for the same 40-year-old profile.
Nevada Health Link sells marketplace plans for 2026. Adults earning up to 138% of FPL apply directly for Nevada Medicaid. Seniors 65+ enroll in Medicare, Medicare Advantage or Medigap plans. Short-term plans fill temporary gaps outside Open Enrollment.
Nevada premiums jumped 26% on average for 2026, the Nevada Division of Insurance says. Medical costs, prescription drug prices, Medicaid unwinding and expiring federal subsidies caused increases. Battle Born State Plans cost 15% below market average.
MoneyGeek reviewed all 2026 health plans across eight carriers on Nevada's marketplace, collecting rates for five age profiles: 18, 26, 40, 50 and 60, across every available metal tier. Plans were ranked on three cost factors: monthly premiums, maximum out-of-pocket limits and deductibles.
MoneyGeek reviewed every 2026 plan available on Nevada Health Link across nine active carriers, analyzing rates for consumers ages 18, 26, 40, 50 and 60. Premium costs reflect 40-year-old rates unless stated otherwise. The analysis covers all available metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum. Nevada has no Expanded Bronze or Platinum plans for 2026, so active comparisons run across Bronze, Silver and Gold.
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
