Best Health Insurance in Nevada (2026)

Hometown Health offers the best health insurance in Nevada. Select Health, Anthem, Health Plan of Nevada and Molina Healthcare also provide excellent options.

Discover top health insurance plans in Nevada below.

Written by Mark Fitzpatrick

Updated: December 29, 2025

Advertising & Editorial Disclosure

Key Takeaways

Hometown Health is the best health insurance provider in Nevada, offering competitive rates and comprehensive coverage across all metal tier options.

Select Health offers the cheapest health insurance in Nevada with Silver-tier HMO plans averaging $517 per month.

Compare quotes from multiple insurers, review coverage limits and deductibles and verify your doctors accept the plan before enrolling.

Best Health Insurance Companies in Nevada

Hometown Health leads Nevada's best health insurance providers with a 4.7 out of 5 MoneyGeek score. Its Silver HMO plans average $602 monthly, 20% to 0% below state averages across all plan types. Select Health, Anthem, Health Plan of Nevada and Molina Healthcare also rank highly among the top five providers.


Hometown Health	$627	$7,981	$4,986	4.7	SENSIBLE Silver HSA HMO IFP
SelectHealth, Inc.	$517	$8,250	$6,250	4.5	Value Silver 5000 Medical Deductible - No deductible for office visits
Anthem	$728	$8,930	$4,970	4.2	Anthem Silver X 3600 for HSA (+ Incentives)
Health Plan of Nevada, Inc.	$663	$9,007	$5,117	4.2	Battle Born State Plan MyHPN Select Network Silver 1
Molina Healthcare of Nevada, Inc.	$638	$8,990	$6,000	4.0	Molina Silver Core 70 Plus with Adult Vision
Imperial Insurance Companies, Inc.	$525	$9,200	$6,750	4.0	Imperial Standard Silver
CareSource Nevada Co.	$716	$9,600	$5,400	3.9	Low Premium Silver Medicaid Transition Plan
Ambetter	$725	$8,456	$7,167	3.8	Choice Bronze HSA + Vision + Adult Dental

*Our picks reflect the best companies for 40-year-olds seeking Silver-tier HMO plans. Rates vary by age and coverage level.

Hometown Health

MoneyGeek Rating

4.7/ 5

4.6/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$627
Average MOOP
$7981
Average Deductible
$4986

pros
- Low $2,300 deductibles available on Gold tier plans
- Competitive maximum out-of-pocket limits across most metal tiers
- HSA-eligible plan options
cons
- HMO network structures only
- Bronze plans include high deductibles up to $8,450
Hometown Health provides HMO coverage across all metal tiers in Nevada, with competitive pricing in Bronze and Silver plans. A 40-year-old pays $550 monthly for Bronze coverage or $500 for HSA-eligible plans, with deductibles ranging from $5,000 to $8,450. Silver plans cost $576 monthly with HSA-eligibility or $627 without but feature lower $3,450 to $4,986 deductibles. Gold plans jump to $827 monthly but offer the lowest $2,300 deductibles and $4,600 out-of-pocket maximums.

Hometown Health plans in Nevada for 2026:

Data filtered by:


IFP Renown Bronze HMO HSA	$550	HMO	Bronze	$8,500	$5,000	Yes
IFP Renown Bronze HMO Plus	$565	HMO	Bronze	$10,450	$5,225	No
SENSIBLE Bronze HMO IFP	$403	HMO	Bronze	$10,600	$10,600	No
IFP Renown Bronze HMO	$483	HMO	Bronze	$10,600	$10,600	No

SelectHealth

MoneyGeek Rating

4.5/ 5

5/5Affordability

3.2/5Deductible

4.5/5MOOP

Average Monthly Rate
$517
Average MOOP
$8,250
Average Deductible
$6,250

pros
- Cheapest plans statewide across all metal tiers
- Gold plans feature low $1,500 deductibles and competitive rates
- Offers both EPO and HMO plans across multiple coverage levels
cons
- Bronze plans carry high $8,700 deductibles and $10,025 MOOP limits
- No Platinum-tier plans
Select Health offers both EPO and HMO plans across Nevada, giving residents flexibility in coverage types. A 40-year-old pays around $443 monthly for HMO Bronze coverage, though the $8,700 deductible means out-of-pocket costs before coverage kicks in. Silver HMO plans average $517 monthly with a more manageable $6,250 deductible, while Gold jumps to $718 but drops the deductible to just $1,500. All plans cap out-of-pocket costs between $8,250 and $10,025.

Select Health plans in Nevada for 2026:

Data filtered by:


Med Exp Bronze 7500 Medical Deductible - No deductible for PCP or urgent care visits	$460	EPO	Bronze	$10,150	$7,500	Yes
Med Exp Bronze 9900 Health Deductible - No deductible for office visits	$457	EPO	Bronze	$9,900	$9,900	Yes
Value Exp Bronze 7500 Medical Deductible - No deductible for PCP or urgent care visits	$445	HMO	Bronze	$10,150	$7,500	Yes
Value Exp Bronze 9900 Health Deductible - No deductible for office visits	$442	HMO	Bronze	$9,900	$9,900	Yes

Anthem

MoneyGeek Rating

4.2/ 5

4.3/5Affordability

5/5Deductible

3.2/5MOOP

Average Monthly Rate
$728
Average MOOP
$8,930
Average Deductible
$4,970

pros
- Low $1,080 deductibles available on Gold tier plans
- Bronze, Silver and Gold tier plans
- Both EPO and HMO plans available
cons
- Higher deductibles on Bronze plans ranging from $6,300 to $7,592
- Bronze plans have elevated MOOP limits up to $10,208
Anthem offers Nevada residents EPO and HMO plans across Bronze, Silver and Gold tiers, giving you flexibility in network structure and pricing. Its EPO plans range from $610 to $726 per month with deductibles from $5,500 to $6,300, while its HMO plans range from $592 to $1,040 with deductibles from $1,080 to $7,592. HSA-eligible plans are available in Bronze and Silver tiers for HMOs and for Bronze EPOs.

Anthem health insurance plans for 2026:

Data filtered by:


Anthem Bronze X EPO 6300 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$611	EPO	Bronze	$9,100	$6,300	Yes
Anthem Bronze Convenient Care X 8500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$421	HMO	Bronze	$10,600	$8,500	Yes
Anthem Bronze Convenient Care X 7500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$423	HMO	Bronze	$10,600	$7,500	Yes
Anthem Bronze X 8050 for HSA (+ Incentives)	$635	HMO	Bronze	$8,050	$8,050	Yes
Anthem Bronze X 5500 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$605	HMO	Bronze	$10,600	$5,500	Yes
Anthem Bronze X 6000 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$608	HMO	Bronze	$10,600	$6,000	Yes
Anthem Bronze X 7000 Adult Dental/Vision ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$626	HMO	Bronze	$10,600	$7,000	Yes
Anthem Bronze X 8200 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$583	HMO	Bronze	$10,600	$8,200	Yes
Anthem Bronze X 10600 ($0 Preferred Virtual PCP $0 Select Drugs + Incentives)	$581	HMO	Bronze	$10,600	$10,600	Yes

Best Nevada Health Insurance by Category

Nevada health insurance prices vary by age and network type. Silver-tier plan comparisons show clear category leaders:

By Age:

Teens (18): Select Health HMO ($369 monthly), Select Health EPO ($382), Hometown Health HMO ($448)
Young adults (26): Select Health HMO ($414 monthly), Select Health EPO ($429), Hometown Health HMO ($502)
Adults (40): Select Health HMO ($517 monthly), Select Health EPO ($535), Hometown Health HMO ($627)
Seniors (60): Select Health HMO ($1,098 monthly), Select Health EPO ($1,136), Hometown Health HMO ($1,331)

By Network Type (40-year-olds):

HMO: SelectHealth leads at $517 monthly with comprehensive Silver-tier benefits
EPO: SelectHealth offers coverage at $535 monthly

Compare Health Insurance Companies in Nevada

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.

Data filtered by:


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.

How to Find the Best Health Insurance in Nevada

Finding the right health insurance in Nevada involves comparing your coverage needs with provider quality and available enrollment paths.

Decide on your coverage needs before buying

Weigh monthly premiums against out-of-pocket maximums based on your expected medical usage. If you visit doctors frequently, plans with higher premiums but lower out-of-pocket limits often save money long-term. For those who rarely need care, lower-premium plans with higher deductibles may work better. Review HMO, PPO and EPO plan types to understand network restrictions and referral requirements.

Compare company offerings and reputations

Research which plans are available in your area and compare coverage details, provider networks and benefit limits. Check insurer quality through J.D. Power ratings and state complaint databases to evaluate claims processing and customer service performance before making your decision.

Shop around

Nevada health insurance rates vary based on age, plan type, coverage level and location. Open Enrollment runs from Nov. 1 to Jan. 15. Special Enrollment applies after qualifying life events like job loss, marriage, divorce or having a baby. Compare quotes from multiple insurers to find the best value for your situation.

Take advantage of federal programs and subsidies

Nevada residents may qualify for premium tax credits and cost-sharing reductions based on income. Some may be eligible for $0 premium plans through expanded Medicaid coverage. Medicare-eligible residents can explore Medicare Supplement and Medicare Advantage plans for additional coverage options.

Average Health Insurance Cost in Nevada

Nevada health insurance costs vary by plan type, metal tier, age and location. EPO plans offer the lowest rates in the state, with Bronze coverage averaging $510 monthly and Gold averaging $743. HMO plans start at $563 for Bronze and climb to $854 for Gold tier coverage.


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.

Best Health Insurance in Nevada: Bottom Line

Hometown Health, Select Health and Anthem lead Nevada's Silver-tier HMO market. The best plan for you depends on your age, health needs, preferred network and budget. Get quotes from multiple insurers and compare premiums, deductibles and out-of-pocket maximums to find your ideal coverage.

Best Nevada Health Insurance: FAQ

Answers to frequently asked questions about the best health insurance in Nevada:

Is health insurance required in Nevada?

No, Nevada does not require residents to have health insurance. The state has no mandate or penalty for being uninsured. While other states offer exemptions for financial hardship or religious beliefs, Nevada residents face no state-level consequences for going without coverage.

When is open enrollment in Nevada?

Nevada's open enrollment for 2026 health coverage begins November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to start coverage on January 1, 2026.

Can you get free health insurance in Nevada?

Yes, Nevada residents can access free health insurance through Medicaid if they meet income requirements. Many others qualify for premium subsidies through Nevada Health Link, the state's marketplace, which can reduce or eliminate monthly costs for coverage.

How We Chose the Best Health Insurance in Nevada

Our ranking system evaluates health insurance plans based on three cost factors: monthly premiums, maximum out-of-pocket limits and deductibles.

Scoring breakdown:

Monthly premium (60%): Plans with the cheapest average monthly costs earn the top scores.
Maximum out-of-pocket (MOOP) score (20%): This represents the most you'll spend on healthcare in a year, excluding premiums. Insurers with lower MOOP limits receive higher ratings.
Deductible (20%): This is the amount you pay before insurance starts covering costs. Plans with smaller deductibles score better.

We standardized all scores within each comparison group. The best Silver-tier HMO plan gets a perfect 5.0 rating, with other plans scored relative to this top performer.

MoneyGeek examined every 2026 health plan offered in Nevada for people ages 18, 26, 40, 50 and 60. Premium costs shown reflect 40-year-old rates unless stated otherwise. Our analysis covers all available tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Health Insurance in Nevada (2026)

Best Health Insurance Companies in Nevada

Best Nevada Health Insurance by Category

Compare Health Insurance Companies in Nevada

How to Find the Best Health Insurance in Nevada

Average Health Insurance Cost in Nevada

Best Health Insurance in Nevada: Bottom Line

Best Nevada Health Insurance: FAQ

Is health insurance required in Nevada?

When is open enrollment in Nevada?

Can you get free health insurance in Nevada?

How We Chose the Best Health Insurance in Nevada

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